Let Campbell & Associates Appraisers, Inc. attend to your appraisal needs
Year after year, thousands of people in Florida purchase, sell or refinance their home. A lot of these transactions have a simple line item for an appraisal. The majority of lenders still call for a local expert because the stakes are so high, even though there are an increasing number of automated home valuation systems that may appear more prudent than an appraisal. You might think that securing a mortgage is the only reason to acquire an appraisal, but there are additional cases when the services of a certified, independent real estate professional could come in handy.
Contest your tax assessment
If you reside in an area where property values have depreciated, it's possible you're paying too much in property taxes. When building your case, an appraisal from us is your best evidence. We can assist you in disputing your tax assessment.
Getting rid of your PMI for mortgage payments
When the amount being loaned to the home owneris more than 80% of the actual value of the property, almost all lenders ask home owners to take out this extra insurance plan. That policy is Private Mortgage Insurance, or PMI. Most often, this extra payment is bundled into the monthly mortgage payment and is soon forgotten. PMI is no longer required when the leftover balance of the loan - whether through market appreciation or principal pay down - goes below the 80% mark, making this very unfortunate. 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 loan-to-value ratio conditions have been met.
Campbell & Associates Appraisers, Inc. will give you a statement regarding the value of your home, and the price you paid for the home valuation can often be regained in a short amount of time because you'll no longer be paying the PMI.
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Settle a divorce with less stress
A divorce can be a particularly horrible event for both parties, and it is often even more complicated by the strenuous decision of who keeps the house. Regardless of the situation, it's a good idea to order an appraisal from Campbell & Associates Appraisers, Inc. so both parties are completely aware of the true market value of their home.
The parties will have a good idea of what price to set, if they want to sell the home. And if a "buyout" is the chosen option, both parties will feel like they've received a fair assessment.
Fair and accurate estate liquidation
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 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 maximum degree of discretion.
Unlike wealthier individuals, most Americans do not have dedicated estate planners or executors to manage these matters. A home or other property often makes up an unequal share of the total estate value, so understanding the true worth of the real estate at hand is of significant importance to ensuring disputing parties walk away knowing they've received an honest deal.
Relocate to or from Broward County for work
Employee relocation can be a stressful event, and we understand. That's why we take great care in establishing 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 intensive inspection.
Sell your home promptly — for an accurate price
A professional appraisal will help you make a more informed decision when determining your selling price, whether you choose to sell your home on your own or use the assistance of a real estate agent. An appraiser has no vested interest in what price the house sells for, unlike real estate agents. Our fees are calculated on our efforts to complete the appraisal report and not a percentage of the sales price.
We examine the difference in value things like an extra bathroom or a kitchen remodel can make on a daily basis. Obtaining a professional appraisal is a reliable 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.