Reasons you should order an appraisal from Collard Appraisal Group, Inc.Year after year, thousands of people in buy, sell or refinance their home. Many of these transactions contain a simple line item for an appraisal. Even though there are a multiplying number of automated home valuation methods that may appear cheaper than an appraisal, the majority of lenders still call in a local expert because the stakes are very high. Is obtaining a mortgage the only reason to get an appraisal? Are there more situations when the services of a licensed, independent real estate professional could come in handy? Absolutely. 
Contest your tax assessment in Cumberland CountyIt's probable you're paying too much in property taxes if you reside in an area where property values have depreciated. Ad Valorem taxes are determined by a previous assessment of your home, so if prices have declined in your area, you can challenge your assessment and save money. An appraisal from Collard Appraisal Group, Inc. is your best evidence when building your case. At Collard Appraisal Group, Inc., we're qualified to assist you in disputing your tax assessment. Eliminating PMI for mortgage paymentsPrivate Mortgage Insurance, or PMI, is a supplemental insurance plan that almost all lenders ask homebuyers to purchase when the amount being loaned to the homeowner is more than 80% of the actual value of the property. More often than not, this additional payment is bundled into the monthly mortgage payment and is promptly forgotten. PMI isn't required when the remainder of the loan - whether through market appreciation or principal pay down - decreases below the 80% level, making this very unfortunate. In fact, the Homeowners Protection Act (HPA) of 1998 was implemented by the United States Congress requiring lenders to remove the PMI payments when the loan-to-value ratio conditions have been met. Collard Appraisal Group, Inc. can produce a statement regarding the value of your home, and the cost of the appraisal can often be offset in a short amount of time because you'll no longer be paying the PMI. Order your appraisal from Collard Appraisal Group, Inc. today Order todaySettle a divorce with less stressA divorce is often complicated by the troublesome decision of who maintains the property, and it can be a very horrible ordeal for both parties. Regardless of the situation, it's a good idea to get an appraisal from Collard Appraisal Group, Inc. so both parties are completely aware of the true market value of their property. The parties will have a better idea of what price to set, if they want to sell the home. And if a "buyout" is the chosen option, both parties will feel like they've received a fair assessment. Determine a fair and accurate valuation for estate liquidationThe 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 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 don't have dedicated estate planners or executors to manage these matters, unlike many wealthy individuals. 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 essential importance to ensuring disputing parties leave knowing they've gotten a fair deal. Relocate to or from Cumberland County through an employee relocation programEmployee relocation can be a stressful event, and we understand. That being said, we take great care in organizing an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide input on the positive attributes of their property, along with information regarding any new sales or listings in their area that they want considered during our intensive inspection. Sell your home promptly — at the right priceA professional appraisal will help you make a more informed decision when determining your selling price, whether you choose to sell your home on your own or with the help of a real estate agent. An appraiser has no vested interest in what price the house sells for, apart from real estate agents. Our fees depend on our efforts to complete the appraisal report and not a percentage of the sales price. We examine the difference in value items like an additional bathroom or a kitchen remodel can make on a daily basis. Obtaining a professional appraisal is a trusted way to decide 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, because we're experts in knowing how long homes stay on the market. 
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