Getting an appraisal from Graham Residential Appraisals Inc

Year after year, thousands of people in North Carolina buy, sell or refinance their home. Most of these transactions include a simple line item for an appraisal. Even though there are an increasing number of automated home valuation systems that may appear more economical than an appraisal, almost all lenders still call for a local expert because the stakes are so high. But is securing a mortgage the only reason to acquire an appraisal? Are there additional instances when the services of a certified, independent real estate professional could be helpful? Of course there are.


	For real estate appraisals in Salisbury and Rowan County, it's easiest when your order online from Graham Residential Appraisals Inc, just click here.

Challenge your tax assessment in Rowan County

It's probable you're paying too much in property taxes if you reside 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 area, you can appeal your assessment and save money. An appraisal from Graham Residential Appraisals Inc is your best evidence when building your case. At Graham Residential Appraisals Inc, we're equipped to assist you in challenging your tax assessment.

Getting rid of your PMI will lower your mortgage payment

When the amount being loaned to the home owner is more than 80% of the actual value of the property, almost all lenders ask home owners to take out an supplemental insurance plan. That policy is Private Mortgage Insurance, or PMI. This additional payment is often lumped into the monthly mortgage payment and is promptly forgotten. PMI is unnecessary when the remaining balance of the loan - whether through market appreciation or principal pay down - dips below the 80% mark, making this very unfortunate. In fact, the United States Congress invoked a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to remove the PMI installments when the loan-to-value ratio conditions have been met.

Graham Residential Appraisals Inc will produce a statement regarding the value of your home, and the expense of the home valuation can generally be recovered in little time because you'll no longer be paying the PMI.

Divorce settlement with less stress

A divorce can be a particularly daunting event for both parties, and it is often even more complicated by the troublesome decision of who keeps the property. So both parties are fully aware of the true market value of their home, it's a good idea to get an appraisal from Graham Residential Appraisals Inc, 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 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 with Graham Residential Appraisals IncSettling an estate

The death of a loved one is a painful time in life, and settling an estate from a death, or probate, often entails 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 utmost degree of discretion.

Unlike wealthy individuals, most Americans don't have dedicated estate planners or executors to handle these matters. And since a home or other property often makes up a disproportionate share of the total estate value, understanding the correct value of the real estate at hand is of vital importance to ensuring disputing parties leave knowing they've received a fair deal.

Relocating to or from Rowan County

Employee relocation is a stressful event, and we understand. That's why we take great care in organizing a convenient appointment time for the appraisal inspection. During our detailed process, we recommend employees that are moving to provide input on the positive aspects of their property, along with information about any new sales or listings in their area that they want considered.

Sell your home quickly at the right price with an appraisal from Graham Residential Appraisals Inc

Whether you want 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 when determining your selling price. With much different interests than a real estate agent, an appraiser has no vested interest in what price the house sells for. Our fees depend on our efforts to perform the appraisal report and and aren't related to the sales price.

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 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 stay on the market.