Let Ashcroft and Associates handle your appraisalTo many, an appraisal just looks like a line item on the settlement sheet for a home sale or refinance. And while there are a growing number of automated home valuation processes that may appear to be less expensive than an appraisal, practically all lenders still call in a local expert because the stakes are very high. But is obtaining a mortgage the only reason you should get an appraisal? Are there more situations when the services of a certified, independent real estate professional might come in handy? You bet there are.
Appeal your tax assessment in Clark CountyIf you reside in an area where property values have declined, it's possible you're paying too much in property taxes. An appraisal from Ashcroft and Associates is your best evidence when building your case. We're equipped to assist you in disputing your tax assessment.
Let Ashcroft and Associates help you eliminate PMI to lower your mortgage paymentWhen the amount being loaned to the home owner is more than 80% of the actual value of the home, nearly all lenders ask home buyers to take out an additional insurance plan. That policy is Private Mortgage Insurance, or PMI. Most often, this extra payment is folded into the monthly mortgage payment and is quickly forgotten. PMI isn't required when the remaining balance of the loan - whether through market appreciation or principal pay down - falls below the 80% level, making this very unfortunate. In fact, the Homeowners Protection Act (HPA) of 1998 was passed by the United States Congress requiring lenders to dismiss the PMI payments when the balance is paid down to 78% of the original value.
Ashcroft and Associates will give you a statement regarding the value of your home, and the price you paid for the home valuation can often be recovered in just a few months because you'll no longer be paying the PMI.
Settling a divorce with less stress with an appraisal from Ashcroft and AssociatesA divorce can be an especially traumatic experience for both parties, and it is often more complicated by the difficult decision of who gets the property. Regardless of the situation, it's prudent to order an appraisal from Ashcroft and Associates so both parties are entirely aware of the true market value of their house.
If the parties need to sell the home, they'll have a better idea of what price to set. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've received a fair evaluation.
Fair and accurate estate liquidation with help from Ashcroft and AssociatesSettling an estateLosing 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 residential property involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, ensuring the fullest degree of discretion.
Most Americans do not have dedicated estate planners or executors to handle these issues, unlike wealthy individuals. And since a home or other property often makes up a disproportionate share of the total estate value, understanding the certain value of the real estate at hand is of vital importance to ensuring disputing parties leave knowing they've received an honest deal.
Relocating to or from Clark County?We know the stress associated with an employee relocation. That's why we take great care in establishing an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide remarks on the positive attributes of their property, as well as information about any current sales or listings in their area that they want considered during our intensive process.
Let Ashcroft and Associates help you sell your home quickly at the right priceA professional appraisal can help you make a better educated decision regarding your selling 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, unlike real estate agents. Our fees are derived from our efforts to perform the appraisal report and and aren't related to the sales price.
On a daily basis, we analyze the difference in value items like an extra bathroom or a kitchen remodel can make. And we're experts in knowing how long houses stay on the market. So, seeking a professional appraisal is a trusted way to determine what improvements will add value and what a suitable sales price is for your home so you don't come up short or have your house on the market an unnecessarily long time.