Ordering an appraisal from Stover AppraisalsThousands of people in Pennsylvania purchase, sell or refinance their home each month. Many of these transactions have a simple line item for an appraisal. And while there are a multiplying number of automated home valuation methods that may appear to be cheaper than an appraisal, the majority of lenders still want a local expert because the stakes are incredibly high. You might assume that obtaining a mortgage is the only reason to acquire an appraisal, but there are other times when the services of a certified, independent real estate professional could come in handy.
Challenge your tax assessmentIf you live in an area where properties have been reassessed, it's possible you're paying too much in property taxes. When building your case, an appraisal from Stover Appraisals is your best evidence. We're equipped to assist you in challenging your tax assessment.
Stover Appraisals can help you do away with PMI to lower your mortgage paymentPrivate Mortgage Insurance, or PMI, is an additional insurance plan that almost all lenders ask buyers to purchase when the amount being loaned to the homebuyer is more than 80% of the actual value of the property. This extra payment is often bundled into the monthly mortgage payment and is soon forgotten. PMI isn't necessary when the leftover balance of the loan - whether through market appreciation or principal pay down - decreases below the 80% level, making this very unfortunate. In fact, the Homeowners Protection Act (HPA) of 1998 was implemented by the United States Congress that requires lenders to remove the PMI payments when the balance is paid down to 78% of the original value.
Stover Appraisals will give you a statement regarding the value of your home, and the price you paid for the home valuation can generally be regained in just a few months because you'll no longer be paying the PMI.
Settling a divorce with less stress with an appraisal from Stover AppraisalsA divorce is often complicated by the burdensome decision of who keeps the property, and it can be an especially traumatic ordeal for both parties. So both parties are entirely aware of the true market value of their house, it's a good idea to get an appraisal from Stover Appraisals, regardless of the situation.
The parties will have a better idea of what price to set, if they want to sell the home. And if a "buyout" is the chosen option, both parties will feel like they've gotten a fair assessment.
Accurate and fair estate liquidation with help from Stover AppraisalsSettling an estateLosing 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 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.
Unlike many wealthy individuals, most Americans don't have dedicated estate planners or executors to manage these issues. A home or other property often makes up a disproportionate share of the total estate value, so knowing the true value of the real estate at hand is of significant importance to ensuring disputing parties leave knowing they've gotten an honest deal.
Stover Appraisals can assist you in relocating to or from Dauphin CountyMoving due to a job change is a more than just an inconvenience. We know where you're coming from! That's why we take great care in organizing an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide input on the positive characteristics of their property, along with information about any new sales or listings in their neighborhood that they want considered during our intensive process.
Sell your home quickly at the right price with an appraisal from Stover AppraisalsA professional appraisal can help you make a better educated decision regarding your asking price, whether you want 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, which is different than the interest of real estate agents. Our fees aren't contingent upon the value opinion we render, but rather they rest on our efforts to complete the appraisal.
We examine 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 homes are on the market. So, seeking a professional appraisal is a trusted 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 for an extended amount of time.