Why you should order an appraisal from Fournier AppraisalsTo many, an appraisal is simply one more thing on the settlement sheet for a home sale or refinance. Nearly all lenders still want a local expert because the stakes are incredibly high, even though there are a multiplying number of automated home valuation methods that might appear to be cheaper than an appraisal. You might assume that obtaining a mortgage is the only basis for getting an appraisal, but there are additional instances when the services of a licensed, independent real estate professional could come in handy.
Dispute your tax assessment in Maricopa CountyIf you reside in an area where property values have depreciated, it's possible you're paying too much in property taxes. When building your case, an appraisal from Fournier Appraisals is your best evidence. At Fournier Appraisals, we're equipped to assist you in challenging your tax assessment.
PMI removal to lower your mortgage paymentWhen the amount being loaned to the buyer is more than 80% of the actual value of the home, nearly all lenders ask home owners to buy an added insurance plan. That policy is Private Mortgage Insurance, or PMI. Oftentimes, this extra payment is folded into the monthly mortgage payment and is promptly forgotten. PMI isn't required when the leftover balance of the loan - whether through market appreciation or principal pay down - falls below the 80% mark, 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 payments when the loan-to-value ratio conditions have been met.
If you'd like to eliminate PMI, Fournier Appraisals will provide you with a statement regarding the value of your home. The cost of the appraisal can usually be recovered in little time because you'll no longer be paying the PMI.
Settling a divorce with less stress with an appraisal from Fournier AppraisalsA divorce is a very heartbreaking event for the parties involved, and it is often more complicated by the strenuous decision of who keeps 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 Fournier Appraisals, regardless of the circumstances.
If the parties wish to sell the home, they'll have a a good 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 assessment.
Accurate and fair estate liquidation with Fournier AppraisalsSettling an estateThe death of a loved one is a painful time in life, and settling an estate from a death, or probate, often requires an appraisal to establish Market Value for the residential property involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, ensuring the highest degree of discretion.
Unlike wealthier individuals, most Americans do not have dedicated estate planners or executors to handle these matters. And seeing that a home or other property often makes up an unequal share of the total estate value, knowing the correct value of the real estate at hand is of essential importance to ensuring disputing parties leave knowing they've received an honest deal.
Relocating to or from Maricopa CountyEmployee relocation can be a stressful event, and we understand. That's why we take great care in establishing a convenient appointment time for the appraisal inspection. During our thorough process, we encourage relocating employees to provide remarks on the positive characteristics of their property, along with information regarding any recent sales or listings in their area that they want considered.
Don't sell out short or keep your home on the market too long.Whether you want to sell your home on your own or with the help of a real estate agent, a professional appraisal can help you make a better educated 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. The price we charge isn't a percentage of the sales price, but rather they rest on our efforts to complete the appraisal.
We determine the difference in value items like an extra bathroom or a kitchen remodel can make on a daily basis. Getting a professional appraisal is a trusted 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 homes are one the market.