Getting an appraisal from Wiregrass Appraisal Services, Inc.

Thousands of people in Alabama purchase, sell or refinance their home each year. Many of these transactions contain a simple line item for an appraisal. And even though there are an increasing number of automated home valuation processes that might appear to be cheaper than an appraisal, nearly all lenders still call for a local expert because the stakes are incredibly high. But is securing a mortgage the only reason to get an appraisal? Are there also instances when the services of a certified, independent real estate professional could be beneficial? Of course.


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Let Wiregrass Appraisal Services, Inc. help you appeal your tax assessment in Houston County

If you live in an area where property values have depreciated, it's possible you're paying too much in property taxes. An appraisal from Wiregrass Appraisal Services, Inc. is your best evidence when building your case. At Wiregrass Appraisal Services, Inc.,we can assist you in challenging your tax assessment.

PMI removal to lower your mortgage payment

When the amount being loaned to the home buyer is more than 80% of the actual value of the home, many lenders ask homeowners to take out an added insurance policy. That policy is Private Mortgage Insurance, or PMI. Oftentimes, this extra payment is folded into the monthly mortgage payment and is quickly forgotten. This is unfortunate because PMI is unnecessary when the remainder 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 implemented by the United States Congress requiring lenders to do away with the PMI payments on most mortgages when the balance is paid down to 78% of the original value.

If you'd like to do away with PMI, Wiregrass Appraisal Services, Inc. can provide you with a statement regarding the value of your home. The cost of the appraisal can often be offset in little time because you'll no longer be paying the PMI.

An appraisal from Wiregrass Appraisal Services, Inc. will help you settle a divorce with less stress

A divorce is a particularly daunting experience for the parties involved, and it is often further complicated by the difficult decision of who maintains the home. Regardless of the circumstances, it's prudent to order an appraisal from Wiregrass Appraisal Services, Inc. so both parties are completely aware of the true market value of their house.

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

Settling an estate with peace of mind

Losing a loved one is a difficult 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. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, ensuring the utmost degree of discretion.

Unlike many wealthy individuals, most Americans don't have dedicated estate planners or executors to manage these issues. And seeing that a home or other property often makes up an unequal share of the total estate value, knowing the true value of the real estate at hand is of significant importance to ensuring disputing parties walk away knowing they've gotten a fair deal.

Let Wiregrass Appraisal Services, Inc. help you with relocating to or from Houston County

Moving due to a job change can be a real painWe know where you're coming from! We take great care in establishing a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide input on the positive aspects of their property, as well as information regarding any current sales or listings in their area that they want considered during our intensive process.

Sell your home quickly at the right price

A professional appraisal can help you make a better educated decision regarding your selling price, whether you choose to sell your home on your own or use the assistance of a real estate agent. An appraiser has no vested interest in what amount the house sells for, which is different than the interest of real estate agents. Our fees are based on our efforts to complete the appraisal report and not a percentage of the sales price.

On a daily basis, we analyze the difference in value items like an extra bathroom or a kitchen remodel can make. Seeking a professional appraisal is a trusted way to determine 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 are one the market.