Let Desert Sky Appraisers serve your appraisal needs
To many, an appraisal just looks like one more thing on the break-sheet for a mortgage or refinance. While there are an increasing number of automated home valuation systems that may seem more cost-effective than an appraisal, practically all lenders still need a local expert because the stakes are so high. You might believe that obtaining a mortgage is the only reason to acquire an appraisal, but there are more cases when the services of a certified, independent real estate professional could be beneficial.
Challenge your tax assessment
If you are in an area where the value of property has declined, it's possible you're paying too much in property taxes. An appraisal from Desert Sky Appraisers is your best evidence when building your case. At Desert Sky Appraisers, we're qualified to assist you in challenging your tax assessment.
PMI removal to reduce your mortgage payment
When the amount being loaned to the home owneris more than 80% of the actual value of the property, nearly all lenders ask homeowners to buy this additional insurance plan. That policy is Private Mortgage Insurance, or PMI. Seeing that added payment is usually folded into the monthly mortgage payment, it is often forgotten. PMI is unnecessary 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 Homeowners Protection Act (HPA) of 1998 was invoked by the United States Congress requiring lenders to dismiss the PMI installments when the loan-to-value ratio conditions have been met.
Desert Sky Appraisers can provide you with a statement regarding the value of your home, and the expense of the home valuation can usually be regained in little time because you'll no longer be paying the PMI.
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Settle a divorce with fewer hang-ups
A divorce is a particularly horrible experience for the parties involved, and it is often even more complicated by the hard decision of who keeps the property. So both parties are completely aware of the true market value of their house, it's a good idea to order an appraisal from Desert Sky Appraisers, regardless of the situation.
If the parties need 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 gotten a fair assessment.
Fair and accurate estate liquidation
The death of a loved one is a hard time in life, and settling an estate from a death, or probate, often entails 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).
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 understanding the true worth of the real estate at hand is of significant importance to ensuring disputing parties leave knowing they've received a fair deal.
Move to or from Maricopa County through an employee relocation program
Employee relocation is a stressful event, and we understand. That being said, we take great care in organizing an accommodating appointment time for the appraisal inspection. During our thorough inspection, we recommend relocating employees to provide feedback on the positive attributes of their property, as well as information about any recent sales or listings in their area that they want considered.
Sell your home promptly — at an accurate price
Whether you choose 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. Apart from a real estate agent, an appraiser has no vested interest in what price the house sells for. Our fees aren't a percentage of the sales price, but rather they are calculated on our efforts to finish the appraisal report.
We analyze the difference in value items like an extra bathroom or a kitchen remodel can make on a daily basis. And we're experts in knowing how long propertiesare on the market. So, obtaining a professional appraisal is a reliable 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.