Reasons to order an appraisal

To a lot of people, an appraisal just looks like another fee on the break-sheet for a home purchase or refinance. The majority of lenders still need a local expert because the stakes are so high, even though there are a developing number of automated home valuation methods that might seem more practical than an appraisal. But is getting a mortgage the only basis for getting an appraisal? Are there additional situations when the services of a certified, independent real estate professional might be beneficial? Of course.

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Challenge your tax assessment in Carroll County

If you reside in an area where the value of property has declined, it's possible you're paying too much in property taxes. When building your case, an appraisal from Avalon Appraisers, LLC is your best evidence. At Avalon Appraisers, LLC,we can assist you in challenging your tax assessment.

Let Avalon Appraisers, LLC assist you in lowering your mortgage payment

When the amount being loaned to the buyer is more than 80% of the actual value of the home, many lenders ask homeowners to take out an additional insurance policy. That policy is Private Mortgage Insurance, or PMI. Oftentimes, this additional payment is folded into the monthly mortgage payment and is quickly forgotten. This is bad because PMI isn't required 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 do away with the PMI payments when the balance is paid down to 78% of the original value.

If you'd like to do away with PMI, Avalon Appraisers, LLC can produce a statement regarding the value of your home. The price you paid for the appraisal can generally be offset in little time because you'll no longer be paying the PMI.

Settling a divorce with less stress

A divorce is often complicated by the burdensome decision of who keeps the home, and it can be a very heartbreaking occurrence for both parties. So both parties are completely aware of the true market value of their home, it's a good idea to order an appraisal from Avalon Appraisers, LLC, regardless of the situation.

The parties will have a better idea of what price to set, if they wish to sell the home. And if a "buyout" is the chosen option, both parties will feel like they've gotten a fair evaluation.

Settling an estate with peace of mind

The death of a loved one is a hard time in life, and settling an estate from a death, or probate, often entails an appraisal to establish Fair Market Value for the real estate involved. We ensure the utmost degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).

Unlike wealthy individuals, most Americans do not have dedicated estate planners or executors to take care of these matters. And since a home or other property often makes up a disproportionate share of the total estate value, understanding the true value of the real estate at hand is of significant importance to ensuring disputing parties walk away knowing they've received a fair deal.

Let Avalon Appraisers, LLC assist you in relocating to or from Carroll County

We are familiar with the headaches involved with an employee relocation. 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 aspects of their property, along with information regarding any new sales or listings in their area that they want considered during our thorough process.

Let Avalon Appraisers, LLC help you sell your home quickly at the right price

A professional appraisal can help you make a better educated decision regarding your asking price, whether you want to sell your home on your own or with the help of a real estate agent. With much different interests than a real estate agent, an appraiser has no vested interest in what amount the house sells for. Our fees aren't related to the sales price, but rather they depend on our efforts to complete the appraisal.

On a daily basis, we analyze the difference in value things like an extra 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 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.