6 Reasons you should order an appraisal from Desert Sky AppraisersThousands of people in Arizona buy, sell or refinance their home every month. Most of these transactions have a simple line item for an appraisal. And even though there are a developing number of automated home valuation methods that may appear to be less expensive than an appraisal, the majority of lenders still want a local expert because the stakes are so high. You might believe that securing a mortgage is the only reason to get an appraisal, but there are other times when the services of a licensed, independent real estate professional could be beneficial. 
Dispute your tax assessmentIt's probable you're paying too much in property taxes if you live in an area where property values have depreciated. Property taxes are determined by a previous assessment of your house, so if prices have gone down in your neighborhood, you can appeal your assessment and save money. When building your case, an appraisal from us is your best evidence. We can assist you in disputing your tax assessment. Eliminate PMI to lower your mortgage paymentWhen the amount being loaned to the home buyeris more than 80% of the actual value of the property, almost all lenders ask homebuyers to buy this extra insurance policy. That policy is Private Mortgage Insurance, or PMI. Seeing that additional payment is usually bundled into the monthly mortgage payment, it is often forgotten. PMI isn't required when the leftover balance of the loan - whether through market appreciation or principal pay down - falls below the 80% mark, making this very unfavorable. In fact, the United States Congress implemented a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to do away with the PMI installments when the loan-to-value ratio conditions have been met. Desert Sky Appraisers can provide you with a statement regarding the value of your home, and the expense of the appraisal can generally be offset in little time because you'll no longer be paying the PMI. Get your appraisal from Desert Sky Appraisers Order onlineGet a clear valuation on a home for divorce settlementsA divorce is often complicated by the difficult decision of who gets the property, and it can be a very daunting experience for both parties. Regardless of the circumstances, it's a good idea to order an appraisal from Desert Sky Appraisers so both parties are fully aware of the true market value of their property. 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 gotten a fair assessment. Ascertain a fair and accurate valuation for estate liquidationThe death of 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 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. Most Americans do not have dedicated estate planners or executors to take care of these issues, unlike wealthier individuals. A home or other property often makes up a disproportionate share of the total estate value, so knowing the true value 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 Maricopa County through an employee relocation programWe know the headaches associated with an employee relocation. That being said, 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 aspects of their property, along with information regarding any recent sales or listings in their area that they want considered during our intensive inspection. Close on your home quickly — at an accurate priceWhether you decide to sell your home on your own or with the help 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 depend on our efforts to complete the appraisal report and not a percentage of the sales price. On a daily basis, we examine the difference in value items like an extra bathroom or a kitchen remodel can make. And we're experts in knowing how long housesare on the market. So, seeking a professional appraisal is a reliable way to decide 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. 
|