Why obtain an appraisal from Wise Appraisal Services?

To many, an appraisal is simply a line item in the long list of items for a home sale or refinance. And while there are an increasing number of automated home valuation processes that might appear to be more economical than an appraisal, almost all lenders still need a local expert because the stakes are incredibly high. You might assume that getting a mortgage is the only reason you should get an appraisal, but there are more situations when the services of a certified, independent real estate professional might be helpful.

When you're planning on any transaction where the value of your house is a factor, contact Wise Appraisal Services. Just click here

Let Wise Appraisal Services help you dispute your tax assessment in Lancaster County

If you reside in an area where the value of property has depreciated, it's possible you're paying too much in property taxes. When building your case, an appraisal from Wise Appraisal Services is your best evidence. We're qualified to assist you in disputing your tax assessment.

Wise Appraisal Services can help you eliminate PMI to lower your mortgage payment

When the amount being loaned to the buyer is more than 80% of the actual value of the property, nearly all lenders ask home owners to buy an added insurance plan. That policy is Private Mortgage Insurance, or PMI. This added payment is often bundled into the monthly mortgage payment and is quickly forgotten. PMI is unnecessary when the remainder 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 do away with the PMI payments on most mortgages when the balance is paid down to 78% of the original value.

If you'd like to do away with PMI, Wise Appraisal Services can provide you with a statement regarding the value of your home. The expense of the appraisal can generally be regained in a short amount of time because you'll no longer be paying the PMI.

Settling a divorce with less stress with an appraisal from Wise Appraisal Services

A divorce is a very traumatic event for the parties involved, and it is often further complicated by the burdensome decision of who maintains the house. It's a good idea to order an appraisal from Wise Appraisal Services so both parties are fully aware of the true market value of their home, regardless of the circumstances.

If the parties need to sell the home, they'll have a better 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.

Accurate and fair estate liquidation with Wise Appraisal ServicesSettling an estate

The death of 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, ensuring the utmost degree of discretion.

Unlike many wealthy individuals, most Americans don't have dedicated estate planners or executors to take care of these matters. 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 significant importance to ensuring disputing parties leave knowing they've received an honest deal.

Wise Appraisal Services can assist you in relocating to or from Lancaster County

Employee relocation is a stressful event, and we understand. That being said, we take great care in establishing a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide input on the positive characteristics of their property, as well as information regarding any new sales or listings in their neighborhood that they want considered during our intensive process.

Sell 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 can help you make a more informed decision when determining your selling price. Unlike 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 based on our efforts to finish the appraisal.

On a daily basis, we examine the difference in value items like an additional 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 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 properties are one the market.