Why obtain an appraisal from Browne Appraisal, Inc.?

To many, an appraisal is simply a line item in the long list of items for a home purchase or refinance. And while there are an increasing number of automated home valuation systems that may appear less expensive than an appraisal, most lenders still need a local expert because the stakes are incredibly high. But is getting a mortgage the only reason to acquire an appraisal? Are there also situations when the services of a licensed, independent real estate professional might come in handy? Of course there are.

When you're planning on any transaction where the amount of your real estate is of importance, just contact Browne Appraisal, Inc.. Just click here

Let Browne Appraisal, Inc. help you dispute your tax assessment in Bay County

It's probable you're paying too much in property taxes if you live in an area where property values have depreciated. Property taxes are based upon a past assessment of your house, so if values are less than what they used to be in your neighborhood, you can appeal your assessment and save money. When building your case, an appraisal from Browne Appraisal, Inc. is your best evidence. At Browne Appraisal, Inc., we're qualified to assist you in challenging your tax assessment.

How can you eliminate PMI to lower your mortgage payment?

When the amount being loaned to the home buyer is more than 80% of the actual value of the real estate, nearly all lenders ask homeowners to purchase an extra insurance plan. That policy is Private Mortgage Insurance, or PMI. This extra payment is often bundled into the monthly mortgage payment and is soon forgotten. This is damaging because PMI isn't necessary when the remainder of the loan - whether through market appreciation or principal pay down - goes below the 80% level. In fact, the United States Congress passed a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to dismiss the PMI installments when the loan-to-value ratio conditions have been met.

If you'd like to eliminate PMI, Browne Appraisal, Inc. will provide you with a statement regarding the value of your home. The expense of the home valuation can usually be regained in a short amount of time because you'll no longer be paying the PMI.

Settling a divorce with less stress with an appraisal from Browne Appraisal, Inc.

A divorce is an especially traumatic experience for the parties involved, and it is often even more complicated by the burdensome decision of who maintains the property. It's a good idea to get an appraisal from Browne Appraisal, Inc. so both parties are entirely aware of the true market value of their home, regardless of the circumstances.

If the parties wish 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.

Accurate and fair estate liquidation with Browne Appraisal, Inc.Settling an Estate

The loss of a loved one is a difficult time in life, and settling an estate from a death, or probate, often requires 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 highest degree of discretion.

Most Americans do not have dedicated estate planners or executors to take care of these affairs, unlike wealthier individuals. And since a home or other property often makes up an uneven share of the total estate value, understanding the true worth of the real estate at hand is of vital importance to ensuring disputing parties leave knowing they've gotten an honest deal.

Relocating to or from Bay County?

We know the stress associated with an employee relocation. 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 features of their property, along with information regarding any recent sales or listings in their neighborhood that they want considered during our thorough process.

Don't sell out for too little or keep your home on the market too long.

A professional appraisal can help you make a better educated decision when determining your asking 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 price the house sells for, which is different than the interest of real estate agents. Our fees depend 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 additional bathroom or a kitchen remodel can make. And we're experts in knowing how long properties are on the market. So, getting a professional appraisal is a trusted 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 too long, costing you hassle and money.