Reasons to hire an appraiser

To a lot of people, an appraisal just looks like another cost on the break-sheet for a home sale or refinance. Even though there are a growing number of automated home valuation systems that might appear to be more prudent than an appraisal, most lenders still need a local expert because the stakes are very high. You might think that securing a mortgage is the only reason to get an appraisal, but there are additional times when the services of a licensed, independent real estate professional might come in handy.


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Challenge your tax assessment in Saint Clair County

If you reside in an area where property values have depreciated, it's possible you're paying too much in property taxes. An appraisal from Andres Appraisals is your best evidence when building your case. At Andres Appraisals, we're equipped to assist you in appealing your tax assessment.

Let Andres Appraisals help you lower your mortgage payment

When the amount being loaned to the buyer is more than 80% of the actual value of the home, many lenders ask home buyers to purchase an supplemental insurance plan. That policy is Private Mortgage Insurance, or PMI. Seeing that additional payment is usually folded into the monthly mortgage payment, it is often forgotten. PMI is no longer required when the remaining balance of the loan - whether through market appreciation or principal pay down - dips below the 80% level, making this very unfavorable. In fact, the Homeowners Protection Act (HPA) of 1998 was passed by the United States Congress requiring lenders to remove the PMI installments on most mortgages when the balance is paid down to 78% of the original value.

Andres Appraisals can provide you with a statement regarding the value of your home, and the expense of the home valuation can often 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 Andres Appraisals

A divorce is a very daunting ordeal for the parties involved, and it is often more complicated by the burdensome decision of who gets the house. Regardless of the situation, it's wise to get an appraisal from Andres Appraisals so both parties are fully aware of the true market value of their house.

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 gotten a fair evaluation.

Trustworthy estate liquidation

Losing a loved one is a difficult time in life, and settling an estate from a death, or probate, often entails an appraisal to establish Market Value for the residential property involved. We ensure the utmost 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 issues. A home or other property often makes up an unequal share of the total estate value, so understanding the true value of the real estate at hand is of essential importance to ensuring disputing parties leave knowing they've received an honest deal.

Let Andres Appraisals assist you in relocating to or from Saint Clair County

Employee relocation is a real pain. We know where you're coming from. That's why we take great care in establishing a convenient appointment time for the appraisal inspection. During our detailed process, we encourage relocating employees to provide feedback on the positive attributes of their property, as well as information regarding any new sales or listings in their neighborhood that they want considered.

Sell your home quickly at the right price with an appraisal from Andres Appraisals

A professional appraisal will help you make a more informed decision when determining your asking price, whether you decide to sell your home on your own or with the help 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. The price we charge isn't a percentage of the sales price, but rather they depend on our efforts to finish the appraisal.

We analyze the difference in value items like an additional bathroom or a kitchen remodel can make on a daily basis. And we're experts in knowing how long homes are on the market. So, seeking a professional appraisal is a reliable 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.