Why get an appraisal from Full View Appraisal Services, Inc.?

To a lot of us, an appraisal just looks like another cost on the break-sheet for a home purchase or refinance. While there are a multiplying number of automated home valuation methods that may appear more cost-effective than an appraisal, practically all lenders still want a local expert because the stakes are so high. You might think that securing a mortgage is the only basis for getting an appraisal, but there are additional situations when the services of a licensed, independent real estate professional might be helpful.


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Let Full View Appraisal Services, Inc. help you lower your mortgage payment

 

When the amount being loaned to the home owner is more than 80% of the actual value of the real estate, most lenders ask buyers to buy an added insurance plan. That policy is Private Mortgage Insurance, or PMI. Seeing that additional payment is usually folded into the monthly mortgage payment, it is often forgotten. This is unfortunate because PMI isn't required when the remaining balance of the loan - whether through market appreciation or principal pay down - falls below the 80% mark. In fact, the Homeowners Protection Act (HPA) of 1998 was implemented by the United States Congress requiring lenders to do away with the PMI payments on most mortgages when the balance is paid down to 78% of the original value.

Full View Appraisal Services, Inc. can provide you with a statement regarding the value of your home, and the price you paid for the appraisal can usually be regained in little time because you'll no longer be paying the PMI.

Settling a divorce with less stress

 

A divorce is a particularly heartbreaking event for the parties involved, and it is often even more complicated by the troublesome decision of who maintains the home. It's a good idea to order an appraisal from Full View Appraisal Services, Inc. so both parties are entirely aware of the true market value of their property, regardless of the situation.

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

Settling an estate with peace of mind

 

The 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 Market Value for the real estate involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, ensuring the highest 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 a disproportionate share of the total estate value, understanding the precise value of the real estate at hand is of vital importance to ensuring disputing parties walk away knowing they've gotten an honest deal.

Relocating?

 

We understand the stress involved with an employee relocation. That being said, we take great care in establishing an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide remarks on the positive characteristics of their property, along with information about any current sales or listings in their neighborhood that they want considered during our detailed process.

Sell your home quickly at the right price

 

A professional appraisal can help you make a more informed decision regarding your selling price, whether you choose to sell your home on your own or with the help of a real estate agent. An appraiser has no vested interest in what price the house sells for, which is different than the interest of real estate agents. Our fees are calculated on our efforts to finish the appraisal report and not a percentage of the sales price.

On a daily basis, we analyze the difference in value items like an additional bathroom or a kitchen remodel can make. Getting a professional appraisal is a reliable 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 properties stay on the market.