Let Dewar Appraisal Services handle your appraisalTo a lot of people, an appraisal just looks like another fee in the long list of items for a home purchase or refinance. Nearly all lenders still want a local expert because the stakes are incredibly high, even though there are a developing number of automated home valuation methods that may appear more prudent than an appraisal. But is securing a mortgage the only reason to get an appraisal? Are there more times when the services of a licensed, independent real estate professional could be helpful? Of course.
Let Dewar Appraisal Services help you challenge your tax assessment in Lowndes CountyIf you live in an area where the value of property has depreciated, it's possible you're paying too much in property taxes. An appraisal from Dewar Appraisal Services is your best evidence when building your case. At Dewar Appraisal Services, we're equipped to assist you in challenging your tax assessment.
Let Dewar Appraisal Services help you lower your mortgage paymentWhen the amount being loaned to the buyer is more than 80% of the actual value of the property, almost all lenders ask homeowners to buy an added insurance policy. That policy is Private Mortgage Insurance, or PMI. Most often, this added payment is lumped into the monthly mortgage payment and is quickly forgotten. This is unfortunate because PMI becomes unnecessary when the remaining balance of the loan - whether through market appreciation or principal pay down - goes below the 80% level. In fact, the Homeowners Protection Act (HPA) of 1998 was passed by the United States Congress requiring lenders to remove the PMI payments when the balance is paid down to 78% of the original value.
Dewar Appraisal Services will provide you with a statement regarding the value of your home, and the price you paid for the appraisal can generally be regained in just a few months because you'll no longer be paying the PMI.
An appraisal from Dewar Appraisal Services will help you settle a divorce with less stressA divorce is an especially heartbreaking experience for the parties involved, and it is often further complicated by the burdensome decision of who keeps the property. It's a good idea to order an appraisal from Dewar Appraisal Services so both parties are fully aware of the true market value of their house, regardless of the situation.
If the parties wish to sell the home, they'll have a clearer picture of what price to set. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've received a fair assessment.
Settling an estate with peace of mindThe loss of a loved one is a difficult time in life, and settling an estate from a death, or probate, often entails an appraisal to establish Market Value for the real estate involved. We guarantee the fullest degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).
Unlike wealthier individuals, most Americans don't have dedicated estate planners or executors to take care of these affairs. And seeing that a home or other property often makes up an unequal share of the total estate value, knowing the certain value of the real estate at hand is of vital importance to ensuring disputing parties walk away knowing they've received a fair deal.
Let Dewar Appraisal Services help you with relocating to or from Lowndes CountyWe know the stress involved with an employee relocation. That being said, we take great care in organizing an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide remarks on the positive features of their property, as well as information regarding any new sales or listings in their neighborhood that they want considered during our thorough process.
Let Dewar Appraisal Services help you sell your home quickly at the right priceWhether you decide to sell your home on your own or with the help of a real estate agent, a professional appraisal can help you make a more informed decision when determining your asking price. With much different interests than a real estate agent, an appraiser has no vested interest in what amount the house sells for. Our fees are based on our efforts to complete the appraisal report and and aren't related to the sales price.
On a daily basis, we examine the difference in value things like an additional bathroom or a kitchen remodel can make. Obtaining a professional appraisal is a trusted way to determine what improvements will add value and what an applicable sales price is for your home - so you don't come up short or have your house on the market an unnecessarily long time - because we're experts in knowing how long houses are one the market.