Reasons someone would hire Certified Valuation Group LLCThousands of people in Alabama purchase, sell or refinance their home each month. A lot of these transactions consist of a simple line item for an appraisal. And while there are a budding number of automated home valuation processes that might appear more cost-effective than an appraisal, almost all lenders still call in a local expert because the stakes are so high. You might think that getting a mortgage is the only reason to get an appraisal, but there are additional times when the services of a certified, independent real estate professional might come in handy.
Let Certified Valuation Group LLC help you appeal your tax assessment in Jefferson CountyIf you reside in an area where the value of property has declined, it's possible you're paying too much in property taxes. When building your case, an appraisal from Certified Valuation Group LLC is your best evidence. At Certified Valuation Group LLC,we can assist you in disputing your tax assessment.
Let Certified Valuation Group LLC assist you in lowering your mortgage paymentWhen the amount being loaned to the buyer is more than 80% of the actual value of the home, most lenders ask homebuyers to buy an additional insurance policy. That policy is Private Mortgage Insurance, or PMI. This added payment is often lumped into the monthly mortgage payment and is quickly forgotten. This is unfavorable because PMI becomes unnecessary when the leftover balance of the loan - whether through market appreciation or principal pay down - goes below the 80% mark. In fact, the United States Congress passed a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to eliminate the PMI installments when the loan-to-value ratio conditions have been met.
If you'd like to do away with PMI, Certified Valuation Group LLC will give you a statement regarding the value of your home. The price you paid for the home valuation can often be offset in a short amount of time because you'll no longer be paying the PMI.
Settling a divorce with less stressA divorce is often complicated by the troublesome decision of who keeps the house, and it can be a particularly traumatic ordeal for both parties. It's a good idea to order an appraisal from Certified Valuation Group LLC so both parties are fully aware of the true market value of their property, regardless of the circumstances.
The parties will have a better idea of what price to set, if they want 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 evaluation.
Fair and accurate 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 Market Value for the real estate involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, ensuring the highest degree of discretion.
Most Americans do not have dedicated estate planners or executors to take care of 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, understanding the true value of the real estate at hand is of significant importance to ensuring disputing parties leave knowing they've received an honest deal.
Certified Valuation Group LLC can help you with relocating to or from Jefferson CountyMoving due to a job change can be a more than just an inconvenience, and we understand. We take great care in establishing a convenient appointment time for the appraisal inspection. During our detailed process, we suggest relocating employees to provide feedback on the positive characteristics of their property, as well as information about any new sales or listings in their neighborhood that they want considered.
Let Certified Valuation Group LLC assist you in selling your home quickly at the right 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 more informed decision when determining your asking price. An appraiser has no vested interest in what amount the house sells for, which is different than the interest of real estate agents. Our fees depend on our efforts to finish the appraisal report and and aren't related to the sales price.
We examine the difference in value items like an additional bathroom or a kitchen remodel can make on a daily basis. Obtaining 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 - because we're experts in knowing how long properties are one the market.