Let Allatoona Appraisal attend to your appraisal needs

To many, an appraisal just looks like another cost in the long list of items for a home sale or refinance. While there are an increasing number of automated home valuation processes that may appear to be more economical than an appraisal, the majority of lenders still want a local expert because the stakes are so high. Is securing a mortgage the only reason to get an appraisal? Are there other instances when the services of a certified, independent real estate professional might be beneficial? Of course.

Let Allatoona Appraisal help you lower your mortgage payment

Appeal your tax assessment

If you reside in an area where the value of property has depreciated, it's possible you're paying too much in property taxes. An appraisal from Allatoona Appraisal is your best evidence when building your case. We're qualified to assist you in appealing your tax assessment.

PMI removal to lower your mortgage payment

When the amount being loaned to the home owneris more than 80% of the actual value of the real estate, most lenders ask home owners to purchase this supplemental insurance plan. That policy is Private Mortgage Insurance, or PMI. Seeing that extra payment is usually bundled into the monthly mortgage payment, it is often forgotten. This is unfavorable because PMI becomes unnecessary when the remaining balance of the loan - whether through market appreciation or principal pay down - falls below the 80% level. In fact, the United States Congress passed a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to remove the PMI payments when the loan-to-value ratio conditions have been met.

Allatoona Appraisal can provide you with a statement regarding the value of your home, and the expense of the appraisal can usually be regained in just a few months because you'll no longer be paying the PMI.

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Get a fair valuation on a home for divorce settlements

A divorce is often complicated by the troublesome decision of who maintains the home, and it can be a particularly daunting experience for both parties. Regardless of the circumstances, it's a good idea to get an appraisal from Allatoona Appraisal so both parties are completely aware of the true market value of their house.

If the parties need to sell the home, they'll have a a good idea of what price to set. And if a "buyout" is the chosen option, both parties will feel like they've gotten a fair assessment.

Determine a fair and accurate valuation for estate liquidation

The loss 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. 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 affairs, unlike wealthy individuals. And since 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 leave knowing they've received an honest deal.

Relocate to or from Cobb County through an employee relocation program

Employee relocation can be a stressful event, and we understand. We take great care in organizing a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide remarks on the positive features of their property, as well as information about any recent sales or listings in their neighborhood that they want considered during our thorough inspection.

Close on your home promptly — for the right price

Whether you decide to sell your home on your own or use the assistance of a real estate agent, a professional appraisal can help you make a better educated decision regarding your selling price. Unlike a real estate agent, an appraiser has no vested interest in what price the house sells for. Our fees depend 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. And we're experts in knowing how long propertiesare on the market. So, seeking a professional appraisal is a trusted way to decide 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.

Let Allatoona Appraisal assist you in selling your home quickly at the right price