Why you should order an appraisal

Year after year, thousands of people in Florida purchase, sell or refinance their home. Most of these transactions include a simple line item for an appraisal. And even though there are a developing number of automated home valuation systems that might appear to be more cost-effective than an appraisal, the majority of lenders still call for a local expert because the stakes are incredibly high. You might assume that obtaining a mortgage is the only reason you should get an appraisal, but there are additional situations when the services of a licensed, independent real estate professional might be beneficial.


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Appeal your tax assessment in Osceola County

If you reside in an area where the value of property has declined, it's possible you're paying too much in property taxes. When building your case, an appraisal from Appraisal Options, Inc. is your best evidence. At Appraisal Options, Inc., we're capable of assisting you in challenging your tax assessment.

Let Appraisal Options, Inc. help you get rid of PMI to lower your mortgage payment

When the amount being loaned to the homeowner is more than 80% of the actual value of the home, many lenders ask homebuyers to take out an additional insurance plan. That policy is Private Mortgage Insurance, or PMI. Very often, this additional payment is bundled into the monthly mortgage payment and is promptly forgotten. This is unfavorable because PMI is unnecessary when the remaining balance of the loan - whether through market appreciation or principal pay down - decreases below the 80% level. In fact, the Homeowners Protection Act (HPA) of 1998 was passed by the United States Congress requiring lenders to eliminate the PMI installments when the balance is paid down to 78% of the original value.

If you'd like to do away with PMI, Appraisal Options, Inc. will produce a statement regarding the value of your home. The price you paid for the appraisal can generally be offset in a short amount of time because you'll no longer be paying the PMI.

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

A divorce is often complicated by the difficult decision of who gets the house, and it can be a particularly heartbreaking experience for both parties. So both parties are fully aware of the true market value of their house, it's a good idea to order an appraisal from Appraisal Options, Inc., regardless of the situation.

The parties will have a clearer picture of what price to set, if they need to sell the home. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've received a fair evaluation.

Trustworthy estate liquidation

Losing 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 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 issues, unlike wealthy individuals. A home or other property often makes up a disproportionate share of the total estate value, so knowing the true value of the real estate at hand is of significant importance to ensuring disputing parties leave knowing they've gotten a fair deal.

Let Appraisal Options, Inc. help you with relocating to or from Osceola County

Employee relocation can be a real pain. We know where you're coming from. That being said, we take great care in setting up an accommodating appointment time for the appraisal inspection. During our thorough process, we suggest relocating employees to provide feedback on the positive characteristics of their property, as well as information about any new sales or listings in their neighborhood that they want considered.

Let Appraisal Options, Inc. assist you in selling your home quickly at the right price

Whether you want to sell your home on your own or use the assistance of a real estate agent, a professional appraisal will help you make a better educated decision regarding your asking price. An appraiser has no vested interest in what amount the house sells for, unlike real estate agents. Our fees are derived from our efforts to finish the appraisal report and and aren't related to 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 reliable 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 houses stay on the market.