Reasons to order an appraisal from Filson's Real Estate Appraisal Services, Inc.

Year after year, thousands of people in Georgia buy, sell or refinance their home. Most of these transactions contain a simple line item for an appraisal. Practically all lenders still want a local expert because the stakes are so high, even though there are a multiplying number of automated home valuation methods that might appear to be more economical than an appraisal. You might think that getting a mortgage is the only reason to acquire an appraisal, but there are more instances when the services of a certified, independent real estate professional might come in handy.

Let Filson's Real Estate Appraisal Services, Inc. help you lower your mortgage payment

Dispute your tax assessment

It's likely you're paying too much in property taxes if you reside in an area where property values have depreciated. Property taxes are based upon a previous assessment of your home, so if prices are less than what they used to be in your area, you can appeal your assessment and save money. An appraisal from Filson's Real Estate Appraisal Services, Inc. is your best evidence when building your case. At Filson's Real Estate Appraisal Services, Inc., we're qualified to assist you in disputing your tax assessment.

PMI removal to reduce a mortgage payment

Private Mortgage Insurance, or PMI, is a supplemental insurance plan that most lenders ask homebuyers to purchase when the amount being loaned to the homeowner is more than 80% of the actual value of the real estate. This extra payment is often lumped into the monthly mortgage payment and is quickly forgotten. PMI isn't necessary when the remainder of the loan - whether through market appreciation or principal pay down - dips below the 80% mark, making this very unfortunate. In fact, the United States Congress implemented 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 do away with PMI, Filson's Real Estate Appraisal Services, Inc. will provide you with a statement regarding the value of your home. The cost of the appraisal can generally be offset in little time because you'll no longer be paying the PMI.

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Settle a divorce with fewer hang-ups

A divorce is often complicated by the hard decision of who keeps the property, and it can be an especially daunting experience for both parties. Regardless of the situation, it's a good idea to order an appraisal from Filson's Real Estate Appraisal Services, 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 wish to sell the home. And if a "buyout" is the chosen option, both parties will feel like they've received a fair evaluation.

Determine an accurate and fair valuation for estate liquidation

The death of a loved one is a difficult time in life, and settling an estate from a death, or probate, often entails an appraisal to establish Fair Market Value for the residential property involved. We guarantee the maximum degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).

Unlike 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 vital importance to ensuring disputing parties walk away knowing they've received a fair deal.

Relocate to or from Fulton County through an employee relocation program

We are aware of the stress associated with an employee relocation. That being said, we take great care in setting up a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide remarks on the positive attributes of their property, as well as information about any recent sales or listings in their neighborhood that they want considered during our detailed inspection.

Close on your home quickly — at the right price

Whether you choose to sell your home on your own or with the help of a real estate agent, a professional appraisal can help you make a better educated decision when determining your asking price. Apart from a real estate agent, an appraiser has no vested interest in what price the house sells for. Our fees aren't related to the sales price, but rather they depend on our efforts to complete the appraisal report.

On a daily basis, we determine 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 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.

Let Filson's Real Estate Appraisal Services, Inc. help you sell your home quickly at the right price