Let J. Boyles Appraisals, LLC take care of your appraisal needs
To many, an appraisal just looks like one more thing on the break-sheet for a home sale or refinance. The majority of lenders still need a local expert because the stakes are incredibly high, even though there are a multiplying number of automated home valuation methods that may seem cheaper than an appraisal. Is obtaining a mortgage the only basis for getting an appraisal? Are there also cases when the services of a licensed, independent real estate professional might come in handy? Of course there are.
Dispute your tax assessment in Fairfield County
It's likely you're paying too much in property taxes if you live in an area where property values have declined. Ad Valorem taxes are determined by a past assessment of your house, so if values are less than what they used to be in your neighborhood, you can challenge your assessment and save money. An appraisal from J. Boyles Appraisals, LLC is your best evidence when building your case. We can assist you in disputing your tax assessment.
Getting rid of your PMI for mortgage payments
When the amount being loaned to the buyeris more than 80% of the actual value of the real estate, nearly all lenders ask homeowners to buy this additional insurance policy. That policy is Private Mortgage Insurance, or PMI. This additional payment is often folded into the monthly mortgage payment and is quickly forgotten. PMI isn't required when the remaining balance of the loan - whether through market appreciation or principal pay down - falls below the 80% level, making this very unfortunate. In fact, the United States Congress invoked a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to remove the PMI installments when the loan-to-value ratio conditions have been met.
If you'd like to do away with PMI, J. Boyles Appraisals, LLC will provide you with a statement regarding the value of your home. The expense of the appraisal can generally 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 fewer hang-ups
A divorce can be a particularly daunting ordeal for both parties, and it is often more complicated by the hard decision of who keeps the home. It's a good idea to get an appraisal from J. Boyles Appraisals, LLC so both parties are completely aware of the true market value of their home, regardless of the situation.
If the parties need to sell the home, they'll have a clearer picture of what price to set. And if a "buyout" is the chosen option, both parties will feel like they've received a fair evaluation.
Determine an accurate and fair valuation for estate liquidation
The death 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.
Most Americans don't have dedicated estate planners or executors to manage these affairs, unlike many wealthy individuals. And seeing that a home or other property often makes up an unequal share of the total estate value, 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 Fairfield County for work
Employee relocation can be a stressful event, and we understand. We take great care in setting up an accommodating appointment time for the appraisal inspection. During our detailed inspection, we suggest relocating employees to provide remarks on the positive aspects of their property, along with information about any new sales or listings in their neighborhood that they want considered.
Sell 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 with the help of a real estate agent. Apart from 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 and aren't related to the sales price.
We examine the difference in value things like an extra bathroom or a kitchen remodel can make on a daily basis. Seeking a professional appraisal is a trusted way to determine what improvements will add value and what a suitable 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 are one the market.