6 Reasons you should order an appraisal from Sirius Appraisal Services
To a lot of people, an appraisal is simply another cost on the settlement sheet for a home sale or refinance. Nearly all lenders still need a local expert because the stakes are incredibly high, even though there are a developing number of automated home valuation methods that may seem less expensive than an appraisal. Is obtaining a mortgage the only basis for getting an appraisal? Are there other times when the services of a licensed, independent real estate professional might be helpful? Absolutely.
Dispute your tax assessment in Queens County
If you are in an area where the value of property has declined, it's possible you're paying too much in property taxes. An appraisal from Sirius Appraisal Services is your best evidence when building your case. We can assist you in disputing your tax assessment.
Eliminating PMI for mortgage payments
When the amount being loaned to the homebuyeris more than 80% of the actual value of the home, almost all lenders ask homebuyers to buy this additional insurance policy. That policy is Private Mortgage Insurance, or PMI. Since the additional payment is usually lumped into the monthly mortgage payment, it is often forgotten. This is damaging because PMI isn't necessary when the remaining balance of the loan - whether through market appreciation or principal pay down - dips below the 80% level. In fact, the United States Congress implemented a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to do away with the PMI installments when the loan-to-value ratio conditions have been met.
Sirius Appraisal Services can produce a statement regarding the value of your home, and the price you paid for the appraisal can usually be recovered in just a few months because you'll no longer be paying the PMI.
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Settle a divorce with fewer hang-ups
A divorce is often complicated by the hard decision of who gets the home, and it can be a very traumatic occurrence for both parties. Regardless of the situation, it's a good idea to order an appraisal from Sirius Appraisal Services so both parties are completely aware of the true market value of their property.
The parties will have a good idea of what price to set, if they need to sell the home. And if a "buyout" is the chosen option, both parties will feel like they've received a fair evaluation.
Ascertain 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 requires an appraisal to establish Fair Market Value for the residential property 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 take care of these affairs. And since a home or other property often makes up an uneven share of the total estate value, understanding the true worth of the real estate at hand is of significant importance to ensuring disputing parties leave knowing they've gotten an honest deal.
Move to or from Queens County through an employee relocation program
Employee relocation can be a stressful event, and we understand. We take great care in establishing an accommodating appointment time for the appraisal inspection. During our thorough inspection, we suggest relocating employees to provide input on the positive features of their property, along with information about any current sales or listings in their neighborhood that they want considered.
Sell your home quickly — for the right price
A professional appraisal can help you make a more informed decision regarding your asking price, whether you decide to sell your home on your own or with the help of a real estate agent. An appraiser has no vested interest in what amount the house sells for, apart from real estate agents. Our fees are based on our efforts to complete the appraisal report and and aren't related to the sales price.
On a daily basis, we examine the difference in value things like an additional bathroom or a kitchen remodel can make. And we're experts in knowing how long homesare on the market. So, obtaining 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.