Why you should order an appraisal

To many, an appraisal just looks like a line item on the settlement sheet for a mortgage or refinance. Nearly all lenders still call in a local expert because the stakes are so high, even though there are a multiplying number of automated home valuation processes that may appear to be less expensive than an appraisal. Is obtaining a mortgage the only basis for getting an appraisal? Are there more situations when the services of a licensed, independent real estate professional could be beneficial? Of course there are.

Let Perdue Appraisal Services, Inc. assist you in lowering your mortgage payment

Challenge your tax assessment in Aiken County

If you reside in an area where property values have declined, it's possible you're paying too much in property taxes. An appraisal from Perdue Appraisal Services, Inc. is your best evidence when building your case. We can assist you in disputing your tax assessment.

Eliminate PMI to lower your mortgage payment

When the amount being loaned to the homebuyeris more than 80% of the actual value of the real estate, most lenders ask homebuyers to purchase this supplemental insurance plan. That policy is Private Mortgage Insurance, or PMI. Seeing that extra payment is usually folded into the monthly mortgage payment, it is often forgotten. This is unfavorable because PMI is no longer required when the leftover balance of the loan - whether through market appreciation or principal pay down - dips below the 80% level. In fact, the United States Congress implemented a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to eliminate the PMI payments when the loan-to-value ratio conditions have been met.

Perdue Appraisal Services, Inc. can give you a statement regarding the value of your home, and the price you paid for the appraisal can often be offset in just a few months because you'll no longer be paying the PMI.

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Get a clear valuation on a home for divorce settlements

A divorce can be a particularly traumatic experience for both parties, and it is often even more complicated by the strenuous decision of who maintains the house. It's a good idea to get an appraisal from Perdue Appraisal Services, Inc. so both parties are completely aware of the true market value of their house, regardless of the circumstances.

If the parties wish to sell the home, they'll have a clearer picture of what price to set. And if a "buyout" is the chosen option, both parties will feel like they've gotten a fair assessment.

Accurate and fair estate liquidation

The loss of a loved one is a difficult time in life, and settling an estate from a death, or probate, often entails an appraisal to establish Fair Market Value for the real estate 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 do not have dedicated estate planners or executors to handle these affairs, unlike wealthier individuals. A home or other property often makes up an unequal share of the total estate value, so understanding the true value of the real estate at hand is of vital importance to ensuring disputing parties leave knowing they've gotten a fair deal.

Relocate to or from Aiken County for work

Employee relocation is a stressful event, and we understand. That's why we take great care in establishing a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide feedback on the positive attributes of their property, along with information about any current sales or listings in their area that they want considered during our thorough inspection.

Sell your home quickly — for an accurate price

Whether you want to sell your home on your own or use the assistance of a real estate agent, a professional appraisal can help you make a better educated decision regarding your selling price. Apart from a real estate agent, an appraiser has no vested interest in what amount the house sells for. 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 items like an extra bathroom or a kitchen remodel can make. Getting a professional appraisal is a reliable 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 houses stay on the market.

Let Perdue Appraisal Services, Inc. help you sell your home quickly at the right price