Let E.A Homer & Associates take care of your appraisalTo a lot of us, an appraisal is simply one more thing on the break-sheet for a home sale or refinance. While there are a developing number of automated home valuation processes that might seem less expensive than an appraisal, the majority of lenders still call for a local expert because the stakes are very high. But is getting a mortgage the only reason to acquire an appraisal? Are there also instances when the services of a certified, independent real estate professional might come in handy? You bet there are.
Challenge your tax assessment in Denver CountyIt's possible you're paying too much in property taxes if you live in an area where property values have depreciated. Property taxes are determined by a previous assessment of your home, so if prices are less than what they used to be in your neighborhood, you can appeal your assessment and save money. When building your case, an appraisal from E.A Homer & Associates is your best evidence. At E.A Homer & Associates,we can assist you in appealing your tax assessment.
Let E.A Homer & Associates assist you in lowering your mortgage paymentPrivate Mortgage Insurance, or PMI, is an additional insurance plan that nearly all lenders ask home buyers to buy when the amount being loaned to the home buyer is more than 80% of the actual value of the property. More often than not, this extra payment is lumped into the monthly mortgage payment and is quickly forgotten. This is bad because PMI isn't necessary when the remaining balance of the loan - whether through market appreciation or principal pay down - goes below the 80% level. In fact, the United States Congress implemented a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to dismiss the PMI installments when the loan-to-value ratio conditions have been met.
E.A Homer & Associates can give you a statement regarding the value of your home, and the expense of the appraisal can usually be regained in little time because you'll no longer be paying the PMI.
An appraisal from E.A Homer & Associates will help you settle a divorce with less stressA divorce can be a very traumatic experience for both parties, and it is often even more complicated by the troublesome decision of who keeps the property. So both parties are completely aware of the true market value of their property, it's a good idea to order an appraisal from E.A Homer & Associates, regardless of the situation.
If the parties wish to sell the home, they'll have a a good idea of what price to set. And if a "buyout" is the chosen option, both parties will feel like they've received a fair evaluation.
Settling an estate with peace of mindLosing a loved one is a difficult 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. We guarantee the maximum degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).
Unlike wealthy 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 unequal share of the total estate value, knowing the precise value of the real estate at hand is of vital importance to ensuring disputing parties leave knowing they've gotten an honest deal.
Let E.A Homer & Associates help you with relocating to or from Denver CountyEmployee relocation is a more than just an inconvenience. We know where you're coming from! We take great care in establishing a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide remarks on the positive characteristics of their property, as well as information regarding any current sales or listings in their area that they want considered during our thorough process.
Don't sell out short or let your home stay on the market too long.A professional appraisal will help you make a more informed decision when determining your asking price, whether you want to sell your home on your own or use the assistance of a real estate agent. With much different interests than a real estate agent, an appraiser has no vested interest in what price the house sells for. Our fees are based on our efforts to finish the appraisal report and not a percentage of 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 trusted way to determine what improvements will add value and what an appropriate 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 stay on the market.