Let J. Boyles Appraisals, LLC take care of your appraisal needs
To many, an appraisal is simply one more thing on the settlement sheet for a mortgage or refinance. Nearly all lenders still call for a local expert because the stakes are incredibly high, even though there are an increasing number of automated home valuation systems that may appear to be more practical than an appraisal. You might assume that getting a mortgage is the only reason to get an appraisal, but there are more times when the services of a licensed, independent real estate professional could be beneficial.
Appeal your tax assessment in Fairfield County
If you live in an area where the property value has depreciated, it's possible you're paying too much in property taxes. An appraisal from J. Boyles Appraisals, LLC is your best evidence when building your case. At J. Boyles Appraisals, LLC, we're equipped to assist you in appealing your tax assessment.
Eliminating PMI for mortgage payments
Private Mortgage Insurance, or PMI, is a supplemental insurance policy that almost all lenders ask home owners to purchase when the amount being loaned to the home owner is more than 80% of the actual value of the real estate. Seeing that extra payment is usually folded into the monthly mortgage payment, it is often forgotten. PMI is no longer required when the leftover balance of the loan - whether through market appreciation or principal pay down - falls below the 80% level, making this very unfavorable. In fact, the Homeowners Protection Act (HPA) of 1998 was implemented by the United States Congress requiring 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 produce a statement regarding the value of your home. The cost of the appraisal can usually be recovered in a short amount of time because you'll no longer be paying the PMI.
Get your appraisal from J. Boyles Appraisals, LLCOrder online
Get a clear valuation on a home take make a divorce settlement less stressful
A divorce is often complicated by the difficult decision of who gets the property, and it can be an especially horrible occurrence for both parties. Regardless of the situation, it's a good idea to order an appraisal from J. Boyles Appraisals, LLC so both parties are completely aware of the true market value of their property.
If the parties need to sell the home, they'll have a better idea of what price to set. And on the flip side, 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 difficult time in life, and settling an estate from a death, or probate, often entails 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 highest degree of discretion.
Most Americans do not have dedicated estate planners or executors to handle these issues, unlike wealthier individuals. A home or other property often makes up an uneven share of the total estate value, so knowing the true value of the real estate at hand is of essential importance to ensuring disputing parties walk away knowing they've received a fair deal.
Move to or from Fairfield County for work
We are aware of the headaches involved with an employee relocation. That's why we take great care in organizing a convenient appointment time for the appraisal inspection. During our intensive inspection, we suggest relocating employees to provide feedback on the positive aspects of their property, along with information about any recent sales or listings in their area that they want considered.
Sell your home quickly — at an accurate price
A professional appraisal will help you make a better educated decision regarding your selling price, whether you choose to sell your home on your own or with the help of a real estate agent. An appraiser has no vested interest in what price the house sells for, apart from real estate agents. Our fees are calculated on our efforts to finish the appraisal report and not a percentage of the sales price.
We analyze the difference in value items like an additional bathroom or a kitchen remodel can make on a daily basis. And we're experts in knowing how long housesare on the market. So, getting a professional appraisal is a reliable way to decide 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.