Let Accelerated Appraisals take care of your appraisal

To a lot of people, an appraisal is simply a line item on the settlement sheet for a home sale or refinance. The majority of lenders still call in a local expert because the stakes are incredibly high, even though there are a budding number of automated home valuation systems that may appear to be cheaper than an appraisal. You might think that getting a mortgage is the only reason you should get an appraisal, but there are other situations when the services of a licensed, independent real estate professional could be beneficial.


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Let Accelerated Appraisals help you appeal your tax assessment in Baldwin County

It's probable you're paying too much in property taxes if you reside in an area where property values have declined. Property taxes are determined by a past assessment of your real estate, so if prices are less than what they used to be in your neighborhood, you can appeal your assessment and save money. An appraisal from Accelerated Appraisals is your best evidence when building your case. We're equipped to assist you in disputing your tax assessment.

How can you do away with PMI to lower your mortgage payment?

When the amount being loaned to the homeowner is more than 80% of the actual value of the real estate, most lenders ask home owners to purchase an supplemental insurance plan. That policy is Private Mortgage Insurance, or PMI. More often than not, this additional payment is lumped into the monthly mortgage payment and is soon forgotten. This is unfavorable because PMI becomes unnecessary when the remaining balance of the loan - whether through market appreciation or principal pay down - falls below the 80% level. In fact, the Homeowners Protection Act (HPA) of 1998 was passed by the United States Congress that requires lenders to dismiss the PMI installments on most mortgages when the balance is paid down to 78% of the original value.

If you'd like to get rid of PMI, Accelerated Appraisals can provide you with a statement regarding the value of your home. The price you paid for the appraisal can generally be offset in little time because you'll no longer be paying the PMI.

Settling a divorce with less stress

A divorce is often complicated by the challenging decision of who gets the house, and it can be a particularly heartbreaking event for both parties. Regardless of the circumstances, it's wise to get an appraisal from Accelerated Appraisals so both parties are fully aware of the true market value of their home.

The parties will have a clearer picture of what price to set, if they need 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.

Accurate and fair estate liquidation

The loss 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 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 take care of these matters. And seeing that a home or other property often makes up an unequal share of the total estate value, knowing the absolute value of the real estate at hand is of vital importance to ensuring disputing parties walk away knowing they've received an honest deal.

Relocating to or from Baldwin County?

We know the headaches involved with an employee relocation. We take great care in organizing a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide remarks 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.

Don't sell out for too little 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 will help you make a better educated decision when determining your selling price. An appraiser has no vested interest in what price the house sells for, which is different than the interest of real estate agents. The price we charge isn't related to the sales price, but rather they rest on our efforts to complete the appraisal.

We determine the difference in value things like an additional bathroom or a kitchen remodel can make on a daily basis. And we're experts in knowing how long properties stay on the market. So, 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 for an extended amount of time.