Reasons to choose an appraisal from D & S Appraisal CompanyTo many, an appraisal just looks like one more thing in the long list of items for a home sale or refinance. And even though there are an increasing number of automated home valuation methods that might appear to be more economical than an appraisal, most lenders still call in a local expert because the stakes are very high. Is obtaining a mortgage the only reason you should get an appraisal? Are there also instances when the services of a licensed, independent real estate professional might come in handy? Of course. 
Appeal your tax assessmentIf you reside in an area where property values have depreciated, it's possible you're paying too much in property taxes. An appraisal from D & S Appraisal Company is your best evidence when building your case. We're equipped to assist you in challenging your tax assessment. Eliminate PMI to lower your mortgage paymentWhen the amount being loaned to the buyeris more than 80% of the actual value of the home, nearly all lenders ask home owners to buy this extra insurance plan. That policy is Private Mortgage Insurance, or PMI. This extra payment is often lumped into the monthly mortgage payment and is promptly forgotten. PMI becomes unnecessary when the leftover balance of the loan - whether through market appreciation or principal pay down - goes below the 80% level, making this very unfortunate. In fact, the United States Congress invoked a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to do away with the PMI payments when the loan-to-value ratio conditions have been met. If you'd like to eliminate PMI, D & S Appraisal Company can give you a statement regarding the value of your home. The price you paid for the appraisal can generally be offset in little time because you'll no longer be paying the PMI. Order your appraisal from D & S Appraisal Company today Order todayGet a clear valuation on a home take make a divorce settlement less stressfulA divorce is often complicated by the challenging decision of who keeps the house, and it can be an especially horrible occurrence for both parties. So both parties are fully aware of the true market value of their property, it's a good idea to get an appraisal from D & S Appraisal Company, regardless of the situation. The parties will have a clearer picture of what price to set, if they need to sell the home. And if a "buyout" is the chosen option, both parties will feel like they've gotten a fair evaluation. Ascertain a fair and accurate valuation for estate liquidationLosing 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 ensure the highest degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP). Most Americans don't have dedicated estate planners or executors to take care of these affairs, unlike wealthy individuals. A home or other property often makes up an uneven share of the total estate value, so knowing the true value of the real estate at hand is of vital importance to ensuring disputing parties walk away knowing they've received an honest deal. Relocate to or from Harford County for workEmployee relocation is a stressful event, and we understand. That being said, we take great care in establishing a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide feedback on the positive aspects of their property, as well as information about any new sales or listings in their area that they want considered during our detailed inspection. Sell your home quickly — at an accurate priceA professional appraisal will help you make a more informed decision regarding your asking price, whether you choose to sell your home on your own or with the help of a real estate agent. An appraiser has no vested interest in what amount the house sells for, apart from real estate agents. Our fees aren't related to the sales price, but rather they are calculated on our efforts to finish the appraisal report. On a daily basis, we examine the difference in value things like an extra bathroom or a kitchen remodel can make. Getting a professional appraisal is a reliable way to decide 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 houses are one the market. 
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