Reasons to order an appraisal from James Earp Appraisal ServiceTo many, an appraisal is simply one more thing on the break-sheet for a home sale or refinance. Nearly all lenders still call in a local expert because the stakes are incredibly high, even though there are a multiplying number of automated home valuation processes that might appear less expensive than an appraisal. Is getting a mortgage the only reason to acquire an appraisal? Are there more situations when the services of a licensed, independent real estate professional might be beneficial? Absolutely. 
Appeal your tax assessmentIf you are in an area where the property value has declined, it's possible you're paying too much in property taxes. When building your case, an appraisal from us is your best evidence. We can assist you in disputing your tax assessment. Get rid of PMI to lower your mortgage paymentWhen the amount being loaned to the homebuyeris more than 80% of the actual value of the home, many lenders ask home owners to take out this supplemental insurance plan. 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 damaging because PMI becomes unnecessary when the leftover balance of the loan - whether through market appreciation or principal pay down - falls below the 80% mark. In fact, the Homeowners Protection Act (HPA) of 1998 was implemented by the United States Congress that requires lenders to do away with the PMI installments when the loan-to-value ratio conditions have been met. James Earp Appraisal Service will provide you with a statement regarding the value of your home, and the cost of the appraisal can often be offset in little time because you'll no longer be paying the PMI. Get your appraisal from James Earp Appraisal Service Order onlineDivorce settlement with less stressA divorce is a particularly traumatic ordeal for the parties involved, and it is often even more complicated by the troublesome decision of who gets the house. So both parties are entirely aware of the true market value of their home, it's a good idea to get an appraisal from James Earp Appraisal Service, regardless of the circumstances. The parties will have a better idea of what price to set, if they need to sell the home. And if a "buyout" is the chosen option, both parties will feel like they've received a fair evaluation. Ascertain an accurate and fair valuation for estate liquidationThe loss 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 residential property involved. We ensure the maximum degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP). Most Americans don't have dedicated estate planners or executors to handle these affairs, 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 vital importance to ensuring disputing parties leave knowing they've received a fair deal. Relocate to or from Wake County through an employee relocation programWe are aware of the stress involved with an employee relocation. That being said, we take great care in organizing a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide input on the positive characteristics of their property, along with information regarding any new sales or listings in their neighborhood that they want considered during our thorough inspection. Close on your home promptly — for an accurate priceA professional appraisal can help you make a better educated decision regarding your selling price, whether you decide to sell your home on your own or with the help of a real estate agent. An appraiser has no vested interest in what amount the house sells for, apart from real estate agents. Our fees aren't a percentage of the sales price, but rather they depend on our efforts to finish the appraisal report. On a daily basis, we examine the difference in value things like an extra bathroom or a kitchen remodel can make. Getting a professional appraisal is a trusted 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. 
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