Reasons to get an appraisal from Andy Ceberio Appraisal ServicesEach year, thousands of people in Florida buy, sell or refinance their home. A lot of these transactions involve a simple line item for an appraisal. Most lenders still want a local expert because the stakes are very high, even though there are a multiplying number of automated home valuation processes that might seem more cost-effective than an appraisal. Is getting a mortgage the only reason to get an appraisal? Are there more cases when the services of a certified, independent real estate professional might be helpful? Absolutely. 
Dispute your tax assessmentIt's probable you're paying too much in property taxes if you reside in an area where property values have declined. Property taxes are determined by a past assessment of your house, so if prices are less than what they used to be in your area, you can appeal your assessment and save money. When building your case, an appraisal from us is your best evidence. We're qualified to assist you in appealing your tax assessment. Eliminating PMI for mortgage paymentsWhen the amount being loaned to the homebuyeris more than 80% of the actual value of the property, nearly all lenders ask homeowners to buy this extra insurance policy. That policy is Private Mortgage Insurance, or PMI. Seeing that additional payment is usually lumped into the monthly mortgage payment, it is often forgotten. PMI isn't necessary when the leftover balance of the loan - whether through market appreciation or principal pay down - dips below the 80% mark, making this very unfavorable. In fact, the United States Congress invoked a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to do away with the PMI installments when the loan-to-value ratio conditions have been met. If you'd like to eliminate PMI, Andy Ceberio Appraisal Services will produce a statement regarding the value of your home. The expense of the appraisal can generally be offset in just a few months because you'll no longer be paying the PMI. Order an appraisal from Andy Ceberio Appraisal Services Order onlineDivorce settlement with fewer hang-upsA divorce can be an especially horrible event for both parties, and it is often more complicated by the troublesome decision of who gets the home. Regardless of the circumstances, it's a good idea to get an appraisal from Andy Ceberio Appraisal Services so both parties are entirely aware of the true market value of their home. The parties will have a clearer picture of what price to set, if they need to sell the home. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've gotten a fair assessment. Determine an accurate and fair valuation for estate liquidationThe death of a loved one is a hard time in life, and settling an estate from a death, or probate, often calls for an appraisal to establish Fair Market Value for the residential property involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, ensuring the maximum degree of discretion. Unlike wealthy individuals, most Americans do not have dedicated estate planners or executors to take care of these matters. And seeing that a home or other property often makes up an uneven share of the total estate value, knowing the true value of the real estate at hand is of vital importance to ensuring disputing parties leave knowing they've gotten a fair deal. Move to or from Monroe County for workEmployee relocation can be a stressful event, and we understand. We take great care in setting up a convenient appointment time for the appraisal inspection. During our detailed inspection, we encourage relocating employees to provide feedback on the positive features of their property, along with information about any recent sales or listings in their area that they want considered. Sell your home promptly — for the right priceWhether you choose to sell your home on your own or with the help of a real estate agent, a professional appraisal can help you make a better educated decision when determining your asking price. An appraiser has no vested interest in what price the house sells for, apart from real estate agents. 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 determine the difference in value things like an additional bathroom or a kitchen remodel can make. Obtaining a professional appraisal is a reliable way to determine what improvements will add value and what an appropriate 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 properties are one the market. 
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