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Reasons to hire an appraiser

To many, an appraisal is simply another cost on the break-sheet for a home purchase or refinance. Practically all lenders still need a local expert because the stakes are so high, even though there are a growing number of automated home valuation systems that may appear to be more practical than an appraisal. You might believe that obtaining a mortgage is the only basis for getting an appraisal, but there are more situations when the services of a certified, independent real estate professional could come in handy.

Let Elite Appraisal Services help you lower your mortgage payment

Challenge your tax assessment in Brazoria County

It's probable you're paying too much in property taxes if you reside in an area where property values have declined. Ad Valorem taxes are based upon a past assessment of your house, so if values have gone down in your area, you can appeal your assessment and save money. An appraisal from Elite Appraisal Services is your best evidence when building your case. We're capable of assisting you in challenging your tax assessment.

Removing PMI for mortgage payments

When the amount being loaned to the homebuyeris more than 80% of the actual value of the home, many lenders ask homebuyers to purchase this extra insurance plan. That policy is Private Mortgage Insurance, or PMI. Since the added payment is usually lumped into the monthly mortgage payment, it is often forgotten. PMI isn't necessary when the remainder of the loan - whether through market appreciation or principal pay down - decreases below the 80% level, making this very unfavorable. In fact, the United States Congress invoked a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to do away with the PMI payments when the loan-to-value ratio conditions have been met.

If you'd like to eliminate PMI, Elite Appraisal Services can give you a statement regarding the value of your home. The expense of the appraisal can often be regained in a short amount of time because you'll no longer be paying the PMI.

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Divorce settlement with less stress

A divorce is a very horrible event for the parties involved, and it is often even more complicated by the burdensome decision of who keeps the home. Regardless of the circumstances, it's a good idea to order an appraisal from Elite Appraisal Services so both parties are entirely aware of the true market value of their property.

The parties will have a a good idea of what price to set, if they want to sell the home. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've received a fair assessment.

Ascertain an accurate and fair valuation for estate liquidation

The death 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 real estate involved. We guarantee the highest 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 do not have dedicated estate planners or executors to take care of these affairs. A home or other property often makes up an unequal share of the total estate value, so understanding the true worth of the real estate at hand is of vital importance to ensuring disputing parties walk away knowing they've gotten a fair deal.

Move to or from Brazoria County for work

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 encourage relocating employees to provide input on the positive aspects of their property, along with information regarding any current sales or listings in their area that they want considered.

Sell your home promptly — for the right price

Whether you decide 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, apart from real estate agents. Our fees aren't a percentage of the sales price, but rather they rest on our efforts to finish the appraisal report.

On a daily basis, we analyze the difference in value things like an additional bathroom or a kitchen remodel can make. And we're experts in knowing how long housesstay on the market. So, obtaining 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.

Let Elite Appraisal Services help you sell your home quickly at the right price