Let Heyne Appraisals LLC take care of your appraisal needsTo many, an appraisal just looks like one more thing on the settlement sheet for a home sale or refinance. Practically all lenders still call in a local expert because the stakes are very high, even though there are a budding number of automated home valuation systems that might appear to be more prudent than an appraisal. You might believe that obtaining a mortgage is the only reason you should get an appraisal, but there are other situations when the services of a certified, independent real estate professional might be beneficial. 
Contest your tax assessmentIt's quite possible you're paying too much in property taxes if you reside in an area where property values have declined. Property taxes are determined by a past assessment of your house, so if values are less than what they used to be in your area, you can challenge your assessment and save money. An appraisal from Heyne Appraisals LLC is your best evidence when building your case. We're qualified to assist you in disputing your tax assessment. Getting rid of your PMI for mortgage paymentsPrivate Mortgage Insurance, or PMI, is a supplemental insurance policy that many lenders ask buyers to purchase when the amount being loaned to the buyer is more than 80% of the actual value of the real estate. Since the added payment is usually bundled into the monthly mortgage payment, it is often forgotten. This is unfavorable because PMI isn't required when the remaining balance of the loan - whether through market appreciation or principal pay down - goes below the 80% mark. In fact, the Homeowners Protection Act (HPA) of 1998 was passed by the United States Congress that requires lenders to do away with the PMI payments when the loan-to-value ratio conditions have been met. Heyne Appraisals LLC will give you a statement regarding the value of your home, and the price you paid for the home valuation can generally be recovered in a short amount of time because you'll no longer be paying the PMI. Get your appraisal from Heyne Appraisals LLC Order onlineDivorce settlement with less stressA divorce can be a particularly horrible experience for both parties, and it is often even more complicated by the burdensome decision of who gets the property. Regardless of the situation, it's a good idea to order an appraisal from Heyne Appraisals LLC so both parties are entirely aware of the true market value of their house. The parties will have a better 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 gotten a fair evaluation. Determine a fair and accurate valuation for estate liquidationThe loss of a loved one is a painful 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, guaranteeing the maximum degree of discretion. Most Americans do not have dedicated estate planners or executors to take care of these issues, unlike wealthy individuals. And since a home or other property often makes up an unequal share of the total estate value, knowing 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 Mercer County for workWe understand the stress involved with an employee relocation. That being said, we take great care in establishing a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide remarks on the positive characteristics of their property, as well as information about any current sales or listings in their neighborhood that they want considered during our detailed inspection. Sell your home quickly — for the right priceWhether you choose to sell your home on your own or with the help of a real estate agent, a professional appraisal will help you make a more informed decision regarding your asking price. An appraiser has no vested interest in what amount the house sells for, apart from real estate agents. Our fees aren't a percentage of the sales price, but rather they are based on our efforts to finish the appraisal report. We examine the difference in value things like an additional bathroom or a kitchen remodel can make on a daily basis. Seeking a professional appraisal is a trusted way to determine what improvements will add value and what a suitable 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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