Reasons to order an appraisal from Linda Carney

To a lot of people, an appraisal just looks like another cost in the long list of items for a mortgage or refinance. Even though there are a developing number of automated home valuation processes that may appear cheaper than an appraisal, the majority of lenders still need a local expert because the stakes are very high. But is getting a mortgage the only reason to acquire an appraisal? Are there other instances when the services of a licensed, independent real estate professional might be beneficial? Of course there are.


	When you're planning on any transaction where the value of your home is in question, contact Linda Carney. Just click here

Let Linda Carney help you challenge your tax assessment in Highlands County

If you reside in an area where the value of property has declined, it's possible you're paying too much in property taxes. An appraisal from Linda Carney is your best evidence when building your case. At Linda Carney,we can assist you in challenging your tax assessment.

Let Linda Carney help you get rid of PMI to lower your mortgage payment

When the amount being loaned to the homebuyer is more than 80% of the actual value of the home, almost all lenders ask home owners to purchase an added insurance policy. That policy is Private Mortgage Insurance, or PMI. Most often, this added payment is lumped into the monthly mortgage payment and is promptly forgotten. This is damaging because PMI isn't necessary when the remainder of the loan - whether through market appreciation or principal pay down - dips below the 80% mark. In fact, the Homeowners Protection Act (HPA) of 1998 was implemented 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.

If you'd like to get rid of PMI, Linda Carney can provide you with a statement regarding the value of your home. The expense of the home valuation can usually 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 difficult decision of who maintains the home, and it can be an especially heartbreaking experience for both parties. So both parties are entirely aware of the true market value of their house, it's a good idea to order an appraisal from Linda Carney, regardless of the situation.

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 evaluation.

Trustworthy estate liquidation

The loss of a loved one is a painful 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 guarantee the maximum 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 don't have dedicated estate planners or executors to manage these matters. 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 leave knowing they've received a fair deal.

Linda Carney can help you with relocating to or from Highlands County

We are aware of the headaches involved with an employee relocation. We take great care in setting up an accommodating appointment time for the appraisal inspection. During our intensive process, we suggest relocating employees to provide input on the positive features of their property, along with information about any recent sales or listings in their area that they want considered.

Selling your home quickly at the right price with an appraisal from Linda Carney

Whether you decide 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 asking price. With much different interests than a real estate agent, an appraiser has no vested interest in what amount the house sells for. The price we charge isn't contingent upon the value we report, but rather they are based on our efforts to finish the appraisal.

On a daily basis, we analyze the difference in value items like an additional bathroom or a kitchen remodel can make. And we're experts in knowing how long houses stay on the market. So, obtaining 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 too long, costing you hassle and money.