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Reasons to order an appraisal from Temple RealtyTo many, an appraisal is simply another cost in the long list of items for a home sale or refinance. Most lenders still want a local expert because the stakes are very high, even though there are a growing number of automated home valuation systems that might appear to be more prudent than an appraisal. You might believe that securing a mortgage is the only reason you should get an appraisal, but there are other instances when the services of a licensed, independent real estate professional might be beneficial.
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Order appraisals online from Temple Realty by simply clicking here. |
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Let Temple Realty help you challenge your tax assessment in Lubbock CountyIt's likely 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 past assessment of your real estate, so if prices are less than what they used to be in your neighborhood, you can appeal your assessment and save money. When building your case, an appraisal from Temple Realty is your best evidence. We're capable of assisting you in appealing your tax assessment.
Let Temple Realty help you eliminate PMI to lower your mortgage paymentPrivate Mortgage Insurance, or PMI, is an extra insurance policy that many lenders ask home owners to purchase when the amount being loaned to the buyer is more than 80% of the actual value of the real estate. Very often, this added payment is folded into the monthly mortgage payment and is promptly forgotten. PMI is no longer required when the leftover balance of the loan - whether through market appreciation or principal pay down - goes below the 80% level, making this very unfavorable. In fact, the Homeowners Protection Act (HPA) of 1998 was passed by the United States Congress that requires lenders to dismiss the PMI payments on most mortgages when the balance is paid down to 78% of the original value.
If you'd like to do away with PMI, Temple Realty will give you a statement regarding the value of your home. The expense of the appraisal can usually be recovered in little time because you'll no longer be paying the PMI.
Settling a divorce with less stressA divorce is often complicated by the troublesome decision of who maintains the property, and it can be a very traumatic occurrence for both parties. So both parties are entirely aware of the true market value of their home, it's a good idea to get an appraisal from Temple Realty, regardless of the circumstances.
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 assessment.
Settling an estate with peace of mindThe death of a loved one is a hard 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 guarantee the fullest 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 do not have dedicated estate planners or executors to handle these affairs. And since a home or other property often makes up an unequal share of the total estate value, knowing the precise value of the real estate at hand is of essential importance to ensuring disputing parties walk away knowing they've gotten an honest deal.
Temple Realty can help you with relocating to or from Lubbock CountyMoving due to a job change can be a real pain, and we understand. We take great care in setting up an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide remarks on the positive features of their property, as well as information regarding any new sales or listings in their area that they want considered during our detailed process.
Let Temple Realty help you sell your home quickly at the right price Whether you choose 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 when determining your selling price. With much different interests than a real estate agent, an appraiser has no vested interest in what amount the house sells for. Our fees are derived from our efforts to perform the appraisal report and and aren't related to the sales price.
We determine the difference in value items like an extra 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 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 - because we're experts in knowing how long homes stay on the market.
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