6 Reasons you should order an appraisal from Andy Ceberio Appraisal ServicesEach year, thousands of people in Florida purchase, sell or refinance their home. Many of these transactions contain 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 developing number of automated home valuation systems that may appear more cost-effective than an appraisal. You might believe that securing a mortgage is the only reason you should get an appraisal, but there are more cases when the services of a licensed, independent real estate professional might be beneficial. 
Contest your tax assessment in Monroe CountyIt's possible you're paying too much in property taxes if you reside in an area where property values have depreciated. Property taxes are determined by a previous assessment of your house, so if values are less than what they used to be in your neighborhood, you can appeal your assessment and save money. When building your case, an appraisal from us is your best evidence. At Andy Ceberio Appraisal Services, we're capable of assisting you in disputing your tax assessment. Getting rid of your PMI for mortgage paymentsPrivate Mortgage Insurance, or PMI, is an additional insurance policy that almost all lenders ask home buyers to purchase when the amount being loaned to the home owner is more than 80% of the actual value of the home. This extra payment is often bundled into the monthly mortgage payment and is soon forgotten. PMI isn't required when the remainder of the loan - whether through market appreciation or principal pay down - dips below the 80% level, making this very unfortunate. In fact, the Homeowners Protection Act (HPA) of 1998 was implemented by the United States Congress that requires lenders to remove the PMI installments when the loan-to-value ratio conditions have been met. Andy Ceberio Appraisal Services will produce a statement regarding the value of your home, and the expense of the home valuation can often be recovered in a short amount of time because you'll no longer be paying the PMI. Get your appraisal from Andy Ceberio Appraisal Services Order todaySettle a divorce with less stressA divorce can be a very traumatic event for both parties, and it is often even more complicated by the burdensome decision of who gets the property. It's a good idea to order an appraisal from Andy Ceberio Appraisal Services so both parties are fully aware of the true market value of their house, regardless of the situation. The parties will have a good idea of what price to set, if they need to sell the home. And if a "buyout" is the chosen option, both parties will feel like they've received a fair assessment. Determine an accurate and fair valuation for estate liquidationLosing a loved one is a difficult time in life, and settling an estate from a death, or probate, often calls for an appraisal to establish Fair Market Value for the real estate involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, guaranteeing the highest degree of discretion. Most Americans don't have dedicated estate planners or executors to take care of these affairs, unlike wealthy individuals. And seeing that a home or other property often makes up an unequal share of the total estate value, understanding the true value of the real estate at hand is of essential importance to ensuring disputing parties walk away knowing they've received a fair deal. Relocate to or from Monroe County for workEmployee relocation can be a stressful event, and we understand. That's why we take great care in establishing an accommodating appointment time for the appraisal inspection. During our thorough inspection, we recommend relocating employees to provide input on the positive aspects of their property, along with information about any new sales or listings in their neighborhood that they want considered. Sell your home promptly — at the right priceWhether you want to sell your home on your own or use the assistance of a real estate agent, a professional appraisal can help you make a more informed decision when determining your selling price. Apart from 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 finish the appraisal report and not a percentage of the sales price. We examine the difference in value things like an additional bathroom or a kitchen remodel can make on a daily basis. Getting a professional appraisal is a reliable way to decide what improvements will add value and what a suitable 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 homes are one the market. 
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