Reasons someone would hire Visser Appraisals, Ltd.To many, an appraisal just looks like one more thing in the long list of items for a home sale or refinance. Nearly all lenders still call for a local expert because the stakes are incredibly high, even though there are a budding number of automated home valuation methods that might seem less expensive than an appraisal. You might assume that getting a mortgage is the only basis for getting an appraisal, but there are more times when the services of a certified, independent real estate professional might be beneficial.
Appeal your tax assessment in Allegan CountyIt's quite possible you're paying too much in property taxes if you live in an area where property values have declined. Property taxes are based upon a past assessment of your house, so if values have declined in your neighborhood, you can appeal your assessment and save money. When building your case, an appraisal from Visser Appraisals, Ltd. is your best evidence. We're equipped to assist you in challenging your tax assessment.
Let Visser Appraisals, Ltd. help you get rid of PMI to lower your mortgage paymentWhen the amount being loaned to the home buyer is more than 80% of the actual value of the home, almost all lenders ask homeowners to take out an extra insurance policy. That policy is Private Mortgage Insurance, or PMI. This extra payment is often bundled into the monthly mortgage payment and is quickly forgotten. This is unfortunate because PMI becomes unnecessary when the remaining balance of the loan - whether through market appreciation or principal pay down - goes below the 80% mark. In fact, the Homeowners Protection Act (HPA) of 1998 was approved by the United States Congress requiring lenders to do away with the PMI installments when the balance is paid down to 78% of the original value.
If you'd like to do away with PMI, Visser Appraisals, Ltd. will produce a statement regarding the value of your home. The cost of the home valuation can usually be regained in little time because you'll no longer be paying the PMI.
Settling a divorce with less stressA divorce can be an especially daunting ordeal for both parties, and it is often more complicated by the strenuous decision of who gets the home. Regardless of the circumstances, it's a good idea to order an appraisal from Visser Appraisals, Ltd. so both parties are fully aware of the true market value of their house.
If the parties want to sell the home, they'll have a better idea of what price to set. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've gotten a fair evaluation.
Fair and accurate estate liquidationThe loss of a loved one is a hard time in life, and settling an estate from a death, or probate, often requires an appraisal to establish Market Value for the residential property involved. We guarantee the maximum 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 don't have dedicated estate planners or executors to handle these issues. And seeing that a home or other property often makes up an unequal share of the total estate value, knowing 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 Visser Appraisals, Ltd. assist you in relocating to or from Allegan CountyEmployee relocation is a more than just an inconvenience, and we understand. That's why we take great care in setting up an accommodating appointment time for the appraisal inspection. During our detailed process, we encourage employees that are moving to provide feedback on the positive attributes of their property, along with information regarding any recent sales or listings in their area that they want considered.
Selling your home quickly at the right priceA professional appraisal will help you make a better educated decision regarding your selling 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 are derived from 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. Obtaining a professional appraisal is a trusted way to determine 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 properties are one the market.