Reasons to order an appraisal from Klein Appraisals, LLC

To a lot of people, an appraisal just looks like a line item on the settlement sheet for a home sale or refinance. Almost all lenders still need a local expert because the stakes are incredibly high, even though there are a developing number of automated home valuation systems that might seem less expensive than an appraisal. You might believe that securing a mortgage is the only basis for getting an appraisal, but there are other instances when the services of a certified, independent real estate professional might be beneficial.

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Contest your tax assessment

It'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 based upon a previous assessment of your house, so if values have gone down in your area, you can challenge your assessment and save money. An appraisal from Klein Appraisals, LLC is your best evidence when building your case. We can assist you in disputing your tax assessment.

Removing PMI for mortgage payments

Private Mortgage Insurance, or PMI, is an additional insurance policy that most lenders ask buyers to buy when the amount being loaned to the buyer is more than 80% of the actual value of the real estate. Seeing that additional payment is usually bundled into the monthly mortgage payment, it is often forgotten. This is unfortunate because PMI isn't necessary when the remainder of the loan - whether through market appreciation or principal pay down - dips below the 80% level. In fact, the Homeowners Protection Act (HPA) of 1998 was invoked by the United States Congress that requires lenders to dismiss the PMI payments when the loan-to-value ratio conditions have been met.

Klein Appraisals, LLC can produce a statement regarding the value of your home, and the cost of the appraisal can often be recovered in a short amount of time because you'll no longer be paying the PMI.

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Divorce settlement with fewer hang-ups

A divorce is often complicated by the difficult decision of who gets the property, and it can be an especially daunting ordeal for both parties. It's a good idea to get an appraisal from Klein Appraisals, LLC so both parties are entirely aware of the true market value of their property, regardless of the situation.

The parties will have a good 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 assessment.

Accurate and fair estate liquidation

Losing a loved one is a hard 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 highest degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).

Unlike many wealthy individuals, most Americans don't have dedicated estate planners or executors to take care of these matters. A home or other property often makes up an uneven share of the total estate value, so understanding the true worth of the real estate at hand is of significant importance to ensuring disputing parties leave knowing they've received a fair deal.

Move to or from Baltimore County through an employee relocation program

We are familiar with 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 remarks on the positive attributes of their property, as well as information regarding any recent sales or listings in their area that they want considered during our intensive inspection.

Sell your home promptly — for an accurate price

Whether you want to sell your home on your own or use the assistance of a real estate agent, a professional appraisal can help you make a more informed decision regarding your selling price. An appraiser has no vested interest in what amount the house sells for, apart from real estate agents. Our fees aren't related to the sales price, but rather they rest on our efforts to finish the appraisal report.

We analyze the difference in value things like an extra bathroom or a kitchen remodel can make on a daily basis. And we're experts in knowing how long housesare on the market. So, seeking a professional appraisal is a trusted way to decide 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.

Let Klein Appraisals, LLC help you sell your home quickly at the right price