Reasons to order an appraisalTo many, an appraisal is simply another fee on the settlement sheet for a home purchase or refinance. While there are a developing number of automated home valuation processes that might appear to be more prudent than an appraisal, almost all lenders still call in a local expert because the stakes are incredibly high. Is obtaining a mortgage the only basis for getting an appraisal? Are there also instances when the services of a licensed, independent real estate professional might be beneficial? You bet. 
Dispute your tax assessment in Cape May CountyIt's likely you're paying too much in property taxes if you live in an area where property values have depreciated. Ad Valorem taxes are determined by a past assessment of your home, so if values are less than what they used to be in your neighborhood, you can appeal your assessment and save money. An appraisal from James M Hanson Associates, Inc is your best evidence when building your case. At James M Hanson Associates, Inc, we're qualified to assist you in appealing your tax assessment. Remove PMI to lower your mortgage paymentPrivate Mortgage Insurance, or PMI, is a supplemental insurance policy that many lenders ask homebuyers to purchase when the amount being loaned to the home owner is more than 80% of the actual value of the property. Oftentimes, this added payment is folded into the monthly mortgage payment and is promptly forgotten. This is unfortunate because PMI is no longer required when the remaining balance of the loan - whether through market appreciation or principal pay down - falls below the 80% mark. In fact, the United States Congress invoked a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to remove the PMI payments when the loan-to-value ratio conditions have been met. If you'd like to get rid of PMI, James M Hanson Associates, Inc can produce a statement regarding the value of your home. The cost of the home valuation can often be regained in little time because you'll no longer be paying the PMI. Order an appraisal from James M Hanson Associates, Inc Order todayGet a fair valuation on a home take make a divorce settlement less stressfulA divorce can be a particularly traumatic ordeal for both parties, and it is often even more complicated by the burdensome decision of who keeps the home. Regardless of the circumstances, it's a good idea to order an appraisal from James M Hanson Associates, Inc so both parties are completely aware of the true market value of their home. The parties will have a good idea of what price to set, if they wish to sell the home. And if a "buyout" is the chosen option, both parties will feel like they've gotten a fair assessment. Fair and accurate estate liquidationLosing a loved one is a difficult time in life, and settling an estate from a death, or probate, often entails an appraisal to establish Fair 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 highest degree of discretion. Most Americans don't have dedicated estate planners or executors to take care of these issues, unlike many wealthy individuals. And since a home or other property often makes up an unequal share of the total estate value, 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. Move to or from Cape May County through an employee relocation programEmployee relocation is a stressful event, and we understand. That being said, we take great care in organizing a convenient appointment time for the appraisal inspection. During our intensive inspection, we recommend relocating employees to provide feedback on the positive characteristics of their property, along with information regarding any recent sales or listings in their area that they want considered. Close on your home quickly — at an accurate priceA professional appraisal will help you make a better educated decision when determining your asking price, whether you want to sell your home on your own or use the assistance of a real estate agent. An appraiser has no vested interest in what price the house sells for, apart from real estate agents. Our fees aren't a percentage of the sales price, but rather they depend on our efforts to complete the appraisal report. We examine the difference in value things like an extra bathroom or a kitchen remodel can make on a daily basis. Seeking a professional appraisal is a reliable 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 homes stay on the market. 
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