Reasons to order an appraisalTo many, an appraisal is simply another fee on the break-sheet for a home purchase or refinance. Even though there are a multiplying number of automated home valuation methods that might appear to be more prudent than an appraisal, almost all lenders still need a local expert because the stakes are incredibly high. You might assume that securing a mortgage is the only reason to acquire an appraisal, but there are other instances when the services of a licensed, independent real estate professional might be beneficial. 
Appeal your tax assessment in Monroe CountyIt's quite possible you're paying too much in property taxes if you live in an area where property values have declined. Ad Valorem taxes are based upon a previous assessment of your real estate, so if prices are less than what they used to be in your area, you can challenge 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 appealing your tax assessment. Remove PMI to lower your mortgage paymentPrivate Mortgage Insurance, or PMI, is an additional insurance policy that many lenders ask buyers to purchase when the amount being loaned to the buyer is more than 80% of the actual value of the home. This additional payment is often folded into the monthly mortgage payment and is soon forgotten. PMI becomes unnecessary when the remainder of the loan - whether through market appreciation or principal pay down - goes 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 cost of the appraisal can usually be recovered in little time because you'll no longer be paying the PMI. Order an appraisal from Andy Ceberio Appraisal Services Order todayDivorce settlement with less stressA divorce is an especially horrible experience for the parties involved, and it is often further complicated by the difficult decision of who keeps the property. It's a good idea to order an appraisal from Andy Ceberio Appraisal Services so both parties are completely aware of the true market value of their property, regardless of the situation. The parties will have a clearer picture of what price to set, if they want to sell the home. And if a "buyout" is the chosen option, both parties will feel like they've received a fair evaluation. Ascertain a fair and accurate valuation for estate liquidationThe death of 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 utmost degree of discretion. Most Americans don't have dedicated estate planners or executors to handle these issues, unlike wealthier individuals. And seeing that a home or other property often makes up an uneven share of the total estate value, understanding the true value of the real estate at hand is of significant importance to ensuring disputing parties leave knowing they've received a fair deal. Move to or from Monroe County through an employee relocation programWe are familiar with the stress involved with an employee relocation. That being said, we take great care in setting up an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide input on the positive features of their property, along with information about any new sales or listings in their area that they want considered during our thorough inspection. Close on your home quickly — for the right priceA professional appraisal will help you make a more informed decision regarding your asking price, whether you want to sell your home on your own or use the assistance of a real estate agent. An appraiser has no vested interest in what price the house sells for, unlike real estate agents. Our fees aren't a percentage of the sales price, but rather they depend on our efforts to complete the appraisal report. We examine the difference in value things like an additional bathroom or a kitchen remodel can make on a daily basis. Seeking a professional appraisal is a trusted 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 homes are one the market. 
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