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Getting an appraisal from Tisa Appraisal Services

Thousands of people in New York buy, sell or refinance their home every year. Many of these transactions include a simple line item for an appraisal. Most lenders still need a local expert because the stakes are incredibly high, even though there are a budding number of automated home valuation systems that might seem more cost-effective than an appraisal. You might assume that obtaining a mortgage is the only reason you should get an appraisal, but there are more cases when the services of a certified, independent real estate professional might be helpful.

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Let Tisa Appraisal Services help you challenge your tax assessment in Monroe County

It's possible you're paying too much in property taxes if you reside in an area where property values have depreciated. Ad Valorem taxes are determined by a past assessment of your real estate, so if values are less than what they used to be in your area, you can appeal your assessment and save money. An appraisal from Tisa Appraisal Services is your best evidence when building your case. We're equipped to assist you in appealing your tax assessment.

How can you do away with PMI to 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 additional insurance policy. That policy is Private Mortgage Insurance, or PMI. Oftentimes, this additional payment is lumped into the monthly mortgage payment and is soon forgotten. This is damaging because PMI becomes unnecessary when the leftover balance of the loan - whether through market appreciation or principal pay down - dips below the 80% level. In fact, the United States Congress implemented a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to eliminate the PMI installments when the loan-to-value ratio conditions have been met.

Tisa Appraisal Services can give you a statement regarding the value of your home, and the price you paid for the home valuation can generally be regained in a short amount of time because you'll no longer be paying the PMI.

An appraisal from Tisa Appraisal Services will help you settle a divorce with less stress

A divorce is a very daunting event for the parties involved, and it is often more complicated by the burdensome decision of who maintains the home. Regardless of the circumstances, it's wise to get an appraisal from Tisa Appraisal Services so both parties are fully aware of the true market value of their house.

The parties will have a better idea of what price to set, if they need 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.

Settling an estate with peace of mind

Losing a loved one is a difficult time in life, and settling an estate from a death, or probate, often entails an appraisal to establish Market Value for the real estate involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, guaranteeing the fullest degree of discretion.

Most Americans do not have dedicated estate planners or executors to take care of these issues, unlike wealthy individuals. A home or other property often makes up an unequal share of the total estate value, so knowing the true value of the real estate at hand is of essential importance to ensuring disputing parties leave knowing they've gotten a fair deal.

Relocating to or from Monroe County

We are familiar with the stress involved with an employee relocation. That being said, 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 recent sales or listings in their area that they want considered during our thorough process.

Let Tisa Appraisal Services help you sell your home quickly at the right price

Whether you want to sell your home on your own or with the help of a real estate agent, a professional appraisal can help you make a better educated decision regarding your selling price. An appraiser has no vested interest in what price the house sells for, unlike real estate agents. The price we charge isn't a percentage of the sales price, 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 additional bathroom or a kitchen remodel can make. Getting 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 - because we're experts in knowing how long houses are one the market.