Why you should order an appraisal from Sazima Appraisals.

An Appraisal is simply another cost on the settlement sheet for a mortgage or refinance. And while there are an increasing number of automated home valuation processes that may appear more cost-effective than an appraisal, practically all lenders still need a local expert because the stakes are very high. But is getting a mortgage the only reason to get an appraisal? Are there more times when the services of a certified, independent real estate professional might come in handy? You bet there are.

Order appraisals online from Janelle Sazima Appraisal by simply clicking here.

Challenge your tax assessment in Wise/Parker County

It's probable you're paying too much in property taxes if you live in an area where property values have depreciated. Property taxes are determined by a past assessment of your real estate, so if prices are less than what they used to be in your neighborhood, you can challenge your assessment and save money. When building your case, an appraisal from Sazima Appraisal is your best evidence. We can assist you in challenging your tax assessment.

Sazima Appraisals can help you do away with PMI to lower your mortgage payment

When the amount being loaned to the homeowner is more than 80% of the actual value of the property, nearly all lenders ask home owners to buy an extra insurance policy. That policy is Private Mortgage Insurance, or PMI. Seeing that added payment is usually bundled into the monthly mortgage payment, it is often forgotten. This is unfortunate because PMI is no longer required when the leftover balance of the loan - whether through market appreciation or principal pay down - goes below the 80% mark. 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.

If you'd like to get rid of PMI, Sazima Appraisals will give you a statement regarding the value of your home. The cost 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 Sazima Appraisals will help you settle a divorce with less stress

A divorce is a very traumatic ordeal for the parties involved, and it is often even more complicated by the burdensome decision of who maintains the home. So both parties are fully aware of the true market value of their home, it's a good idea to get an appraisal from  Sazima Appraisals, regardless of the situation.

If the parties need to sell the home, they'll have a a good idea of what price to set. And if a "buyout" is the chosen option, both parties will feel like they've gotten a fair assessment.

Fair and accurate estate liquidation

Losing 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 Market Value for the real estate involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, ensuring the highest degree of discretion.

Most Americans do not 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 precise value of the real estate at hand is of significant importance to ensuring disputing parties leave knowing they've received a fair deal.

Let Sazima Appraisals help you with relocating to or from Wise, Tarrant, Parker, Dention Counties.

Employee relocation can be a more than just an inconvenience, and we understand. We take great care in establishing a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide remarks on the positive attributes of their property, as well as information regarding any new sales or listings in their neighborhood that they want considered during our thorough process.

Don't sell out for too little or let your home stay on the market too long.

Whether 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 more informed decision regarding your asking price. An appraiser has no vested interest in what price the house sells for, unlike real estate agents. Our fees are based on our efforts to finish the appraisal report and not a percentage of the sales price.

On a daily basis, we analyze the difference in value things like an additional bathroom or a kitchen remodel can make. Obtaining a professional appraisal is a trusted way to determine 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 stay on the market.