Let Spencer Appraisal Services, Inc. attend to your appraisal needsTo a lot of us, an appraisal just looks like a line item in the long list of items for a home sale or refinance. The majority of lenders still want a local expert because the stakes are very high, even though there are a developing number of automated home valuation processes that may seem more cost-effective than an appraisal. Is obtaining a mortgage the only reason to acquire an appraisal? Are there other instances when the services of a certified, independent real estate professional could be helpful? You bet. 
Contest your tax assessment in Montgomery CountyIt's possible you're paying too much in property taxes if you reside in an area where property values have declined. Property taxes are determined by a past assessment of your home, so if values are less than what they used to be in your area, you can appeal your assessment and save money. When building your case, an appraisal from us is your best evidence. We can assist you in disputing your tax assessment. PMI removal to reduce your mortgage paymentWhen the amount being loaned to the homeowneris more than 80% of the actual value of the real estate, most lenders ask homeowners to purchase this extra insurance plan. That policy is Private Mortgage Insurance, or PMI. Oftentimes, this extra payment is folded into the monthly mortgage payment and is soon forgotten. PMI isn't required when the leftover balance of the loan - whether through market appreciation or principal pay down - decreases below the 80% level, making this very unfavorable. In fact, the Homeowners Protection Act (HPA) of 1998 was implemented by the United States Congress that requires lenders to remove the PMI installments when the loan-to-value ratio conditions have been met. Spencer Appraisal Services, Inc. can provide you with a statement regarding the value of your home, and the price you paid for the home valuation can generally be offset in a short amount of time because you'll no longer be paying the PMI. Get your appraisal from Spencer Appraisal Services, Inc. Order onlineDivorce settlement with less stressA divorce is a particularly daunting event for the parties involved, and it is often more complicated by the troublesome decision of who keeps the house. Regardless of the circumstances, it's a good idea to order an appraisal from Spencer Appraisal Services, Inc. so both parties are completely aware of the true market value of their home. If the parties want to sell the home, they'll have a clearer picture of what price to set. And if a "buyout" is the chosen option, both parties will feel like they've gotten a fair assessment. Determine a fair and accurate valuation for estate liquidationThe death of a loved one is a painful time in life, and settling an estate from a death, or probate, often calls for an appraisal to establish Fair Market Value for the real estate involved. We guarantee the fullest 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 issues, unlike wealthier 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 essential importance to ensuring disputing parties walk away knowing they've gotten a fair deal. Relocate to or from Montgomery County through an employee relocation programEmployee relocation is a stressful event, and we understand. We take great care in setting up an accommodating appointment time for the appraisal inspection. During our thorough inspection, we encourage relocating employees to provide feedback on the positive attributes of their property, along with information about any new sales or listings in their area that they want considered. Sell your home quickly — at an accurate priceWhether you choose 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. Apart from a real estate agent, an appraiser has no vested interest in what price the house sells for. Our fees aren't related to the sales price, but rather they are calculated on our efforts to complete the appraisal report. We analyze the difference in value things like an additional bathroom or a kitchen remodel can make on a daily basis. Getting a professional appraisal is a trusted 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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