Why you should hire an appraiserTo many, an appraisal is simply a line item on the break-sheet for a home sale or refinance. Nearly all lenders still call for a local expert because the stakes are so high, even though there are a budding number of automated home valuation processes that may appear to be more cost-effective than an appraisal. You might believe that getting a mortgage is the only reason you should get an appraisal, but there are additional cases when the services of a certified, independent real estate professional might come in handy. 
Appeal your tax assessment in Fairfield CountyIf you reside in an area where property values have declined, it's possible you're paying too much in property taxes. When building your case, an appraisal from us is your best evidence. We're qualified to assist you in disputing your tax assessment. PMI removal to lower your mortgage paymentPrivate Mortgage Insurance, or PMI, is an extra insurance plan that nearly all lenders ask home owners to buy when the amount being loaned to the buyer is more than 80% of the actual value of the property. Most often, this added payment is folded into the monthly mortgage payment and is promptly forgotten. This is damaging because PMI is no longer required when the remainder 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 invoked by the United States Congress requiring lenders to remove the PMI installments when the loan-to-value ratio conditions have been met. Village Appraisal Ltd. can produce a statement regarding the value of your home, and the cost of the appraisal can often be offset in little time because you'll no longer be paying the PMI. Order your appraisal from Village Appraisal Ltd. today Order onlineSettle a divorce with fewer hang-upsA divorce is a very daunting ordeal for the parties involved, and it is often further complicated by the difficult decision of who maintains the house. It's a good idea to order an appraisal from Village Appraisal Ltd. so both parties are fully aware of the true market value of their home, regardless of the circumstances. The parties will have a better idea of what price to set, if they need 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. Fair and accurate estate liquidationLosing a loved one is a hard time in life, and settling an estate from a death, or probate, often calls for an appraisal to establish Fair Market Value for the residential property involved. We ensure the maximum degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP). Most Americans don't have dedicated estate planners or executors to take care of these affairs, unlike wealthier individuals. A home or other property often makes up a disproportionate share of the total estate value, so understanding the true worth of the real estate at hand is of vital importance to ensuring disputing parties walk away knowing they've received a fair deal. Move to or from Fairfield County through an employee relocation programEmployee relocation is a stressful event, and we understand. That's why we take great care in setting up a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide remarks on the positive features of their property, along with information about any current sales or listings in their neighborhood that they want considered during our intensive inspection. Close on your home promptly — at the right priceWhether 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. An appraiser has no vested interest in what amount the house sells for, apart from real estate agents. Our fees are calculated on our efforts to complete the appraisal report and not a percentage of the sales price. On a daily basis, we determine 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 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. 
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