There are lots of reasons consumers call on Hardy Appraisal Service

To a lot of people, an appraisal just looks like a line item on the break-sheet for a home purchase or refinance. Nearly all lenders still call for a local expert because the stakes are very high, even though there are a budding number of automated home valuation processes that may appear to be less expensive than an appraisal. But is securing a mortgage the only reason you should get an appraisal? Are there additional instances when the services of a certified, independent real estate professional might be beneficial? You bet.


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Let Hardy Appraisal Service help you dispute your tax assessment in Lee County

It's likely you're paying too much in property taxes if you live in an area where property values have depreciated. Ad Valorem taxes are based upon a previous assessment of your home, so if values are less than what they used to be in your area, you can appeal your assessment and save money. When building your case, an appraisal from Hardy Appraisal Service is your best evidence. We're capable of assisting you in challenging your tax assessment.

Hardy Appraisal Service can help you eliminate PMI to lower your mortgage payment

Private Mortgage Insurance, or PMI, is an extra insurance plan that many lenders ask buyers to purchase when the amount being loaned to the buyer is more than 80% of the actual value of the home. This extra payment is often lumped into the monthly mortgage payment and is quickly forgotten. This is unfavorable because PMI is no longer required when the leftover balance of the loan - whether through market appreciation or principal pay down - dips below the 80% level. In fact, the United States Congress passed a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to eliminate the PMI payments when the loan-to-value ratio conditions have been met.

If you'd like to do away with PMI, Hardy Appraisal Service will produce a statement regarding the value of your home. The expense of the appraisal can generally be regained in little time because you'll no longer be paying the PMI.

Divorce settlement with less stress

A divorce is often complicated by the challenging decision of who maintains the house, and it can be a particularly heartbreaking event for both parties. Regardless of the situation, it's a good idea to order an appraisal from Hardy Appraisal Service so both parties are completely aware of the true market value of their home.

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

Accurate and fair estate liquidation

The death of a loved one is a hard 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. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, ensuring the maximum degree of discretion.

Most Americans do not have dedicated estate planners or executors to manage these matters, unlike wealthier 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 essential importance to ensuring disputing parties walk away knowing they've gotten an honest deal.

Let Hardy Appraisal Service help you with relocating to or from Lee County

We know the stress associated with an employee relocation. That being said, we take great care in establishing a convenient appointment time for the appraisal inspection. During our intensive process, we suggest relocating employees to provide remarks on the positive attributes of their property, as well as information about any new sales or listings in their area that they want considered.

Selling your home quickly at the right price

Whether you want 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 selling price. 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 rest on our efforts to finish the appraisal.

We determine the difference in value items like an extra bathroom or a kitchen remodel can make on a daily basis. And we're experts in knowing how long houses are on the market. So, getting a professional appraisal is a trusted 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 an unnecessarily long time.