Let Sirius Appraisal Services attend to your appraisal needs
To a lot of people, an appraisal just looks like another fee in the long list of items for a home purchase or refinance. The majority of lenders still call in a local expert because the stakes are so high, even though there are a multiplying number of automated home valuation systems that may appear to be cheaper than an appraisal. Is getting a mortgage the only reason to get an appraisal? Are there also cases when the services of a certified, independent real estate professional could be helpful? Absolutely.
Contest your tax assessment in Queens County
If you reside in an area where the property value has depreciated, it's possible you're paying too much in property taxes. When building your case, an appraisal from us is your best evidence. At Sirius Appraisal Services, we're equipped to assist you in appealing your tax assessment.
Get rid of PMI to lower your mortgage payment
Private Mortgage Insurance, or PMI, is an added insurance plan that most lenders ask homeowners to purchase when the amount being loaned to the homeowner is more than 80% of the actual value of the property. This extra payment is often bundled into the monthly mortgage payment and is promptly forgotten. PMI is unnecessary when the remaining balance of the loan - whether through market appreciation or principal pay down - dips below the 80% mark, making this very unfavorable. In fact, the Homeowners Protection Act (HPA) of 1998 was passed by the United States Congress that requires lenders to do away with the PMI payments when the loan-to-value ratio conditions have been met.
Sirius Appraisal Services can provide you with a statement regarding the value of your home, and the price you paid for the home valuation can generally be recovered in little time because you'll no longer be paying the PMI.
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Divorce settlement with fewer hang-ups
A divorce is a very horrible ordeal for the parties involved, and it is often more complicated by the challenging decision of who gets the house. So both parties are fully aware of the true market value of their home, it's a good idea to order an appraisal from Sirius Appraisal Services, regardless of the circumstances.
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 assessment.
Ascertain a fair and accurate valuation for estate liquidation
The loss of a loved one is a painful 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 fullest degree of discretion.
Unlike wealthier individuals, most Americans don't have dedicated estate planners or executors to manage these issues. And since a home or other property often makes up an uneven share of the total estate value, understanding the true value of the real estate at hand is of essential importance to ensuring disputing parties walk away knowing they've gotten an honest deal.
Relocate to or from Queens County for work
Employee relocation is a stressful event, and we understand. That's why we take great care in organizing a convenient appointment time for the appraisal inspection. During our detailed inspection, we recommend relocating employees to provide remarks on the positive characteristics of their property, along with information about any current sales or listings in their area that they want considered.
Close on your home promptly — for the right price
A professional appraisal will help you make a better educated decision when determining your selling price, whether you want to sell your home on your own or use the assistance of a real estate agent. Unlike a real estate agent, an appraiser has no vested interest in what amount the house sells for. Our fees are calculated on our efforts to finish the appraisal report and not a percentage of the sales price.
On a daily basis, we examine the difference in value things like an additional bathroom or a kitchen remodel can make. Obtaining a professional appraisal is a reliable 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, because we're experts in knowing how long houses stay on the market.