Let Hiland Appraisals, LLC serve your appraisal needs
Every year, thousands of people in North Carolina purchase, sell or refinance their home. A lot of these transactions consist of a simple line item for an appraisal. Most lenders still want a local expert because the stakes are so high, even though there are a developing number of automated home valuation methods that may seem more practical than an appraisal. Is getting a mortgage the only reason you should get an appraisal? Are there more instances when the services of a certified, independent real estate professional could come in handy? You bet.
Contest your tax assessment in Ashe County
If you are in an area where property values have declined, it's possible you're paying too much in property taxes. An appraisal from Hiland Appraisals, LLC is your best evidence when building your case. At Hiland Appraisals, LLC, we're equipped to assist you in disputing your tax assessment.
Get rid of PMI to lower your mortgage payment
Private Mortgage Insurance, or PMI, is a supplemental insurance policy that nearly all lenders ask homebuyers to purchase when the amount being loaned to the home buyer is more than 80% of the actual value of the home. More often than not, this extra payment is folded into the monthly mortgage payment and is promptly forgotten. PMI isn't necessary when the remainder of the loan - whether through market appreciation or principal pay down - dips below the 80% mark, making this very unfavorable. In fact, the United States Congress invoked a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to eliminate the PMI payments when the loan-to-value ratio conditions have been met.
Hiland Appraisals, LLC will give you a statement regarding the value of your home, and the price you paid for the appraisal can often be regained in a short amount of time because you'll no longer be paying the PMI.
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Get a clear valuation on a home for divorce settlements
A divorce is often complicated by the burdensome decision of who keeps the property, and it can be an especially daunting occurrence for both parties. It's a good idea to get an appraisal from Hiland Appraisals, LLC so both parties are completely aware of the true market value of their property, regardless of the circumstances.
The parties will have a clearer picture 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.
Fair and accurate estate liquidation
The loss of a loved one is a difficult time in life, and settling an estate from a death, or probate, often entails an appraisal to establish Fair Market Value for the real estate involved. We guarantee the utmost degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).
Most Americans do not have dedicated estate planners or executors to take care of these issues, unlike many wealthy individuals. A home or other property often makes up a disproportionate share of the total estate value, so understanding the true value of the real estate at hand is of vital importance to ensuring disputing parties walk away knowing they've received a fair deal.
Relocate to or from Ashe County through an employee relocation program
We are aware of the headaches involved with an employee relocation. We take great care in organizing an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide input on the positive characteristics of their property, as well as information regarding any recent sales or listings in their neighborhood that they want considered during our intensive inspection.
Sell your home quickly — for the right price
A professional appraisal will help you make a more informed decision when determining your asking price, whether you choose to sell your home on your own or use the assistance of a real estate agent. Unlike a real estate agent, an appraiser has no vested interest in what price the house sells for. Our fees depend on our efforts to finish the appraisal report and not a percentage of the sales price.
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 propertiesare on the market. So, getting a professional appraisal is a reliable way to decide 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.