Getting an appraisal from Premier Real Estate Services, LLC

To a lot of us, an appraisal is simply one more thing on the break-sheet for a home purchase or refinance. Almost all lenders still call for a local expert because the stakes are so high, even though there are a growing number of automated home valuation systems that may appear more cost-effective 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 come in handy? Of course there are.


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Let Premier Real Estate Services, LLC help you challenge your tax assessment in Richland County

If you reside in an area where property values have depreciated, it's possible you're paying too much in property taxes. An appraisal from Premier Real Estate Services, LLC is your best evidence when building your case. At Premier Real Estate Services, LLC,we can assist you in disputing your tax assessment.

Let Premier Real Estate Services, LLC help you lower your mortgage payment

When the amount being loaned to the home owner is more than 80% of the actual value of the real estate, almost all lenders ask home buyers to buy an added insurance policy. That policy is Private Mortgage Insurance, or PMI. This added payment is often lumped into the monthly mortgage payment and is promptly forgotten. PMI is no longer required when the remaining balance of the loan - whether through market appreciation or principal pay down - goes below the 80% level, making this very unfavorable. In fact, the United States Congress invoked a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to do away with the PMI payments when the loan-to-value ratio conditions have been met.

If you'd like to do away with PMI, Premier Real Estate Services, LLC can provide you with a statement regarding the value of your home. The expense of the home valuation can generally be regained in just a few months because you'll no longer be paying the PMI.

An appraisal from Premier Real Estate Services, LLC will help you settle a divorce with less stress

A divorce is often complicated by the troublesome decision of who gets the home, and it can be a particularly heartbreaking experience 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 Premier Real Estate Services, LLC, regardless of the circumstances.

The parties will have a a good idea of what price to set, if they want to sell the home. And on the flip side, 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 painful time in life, and settling an estate from a death, or probate, often requires 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 don't have dedicated estate planners or executors to manage these issues, unlike wealthier individuals. And seeing that a home or other property often makes up an unequal share of the total estate value, knowing the absolute value of the real estate at hand is of significant importance to ensuring disputing parties walk away knowing they've received a fair deal.

Relocating to or from Richland County?

Employee relocation can be a real pain. We know where you're coming from. That's why we take great care in setting up an accommodating appointment time for the appraisal inspection. During our detailed process, we encourage 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 decide to sell your home on your own or with the help of a real estate agent, a professional appraisal will help you make a better educated decision when determining your asking price. An appraiser has no vested interest in what price the house sells for, which is different than the interest of real estate agents. Our fees aren't contingent upon the value we report, but rather they are based on our efforts to complete the appraisal.

On a daily basis, we analyze the difference in value items like an extra bathroom or a kitchen remodel can make. Seeking a professional appraisal is a trusted 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 - because we're experts in knowing how long properties stay on the market.