Why you should order an appraisal from A & B Tax Service

Thousands of people in Wisconsin purchase, sell or refinance their home each month. Most of these transactions contain a simple line item for an appraisal. Practically all lenders still call in a local expert because the stakes are incredibly high, even though there are a growing number of automated home valuation systems that might seem more economical than an appraisal. Is obtaining a mortgage the only reason you should get an appraisal? Are there more situations when the services of a certified, independent real estate professional might be beneficial? Absolutely.

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Dispute your tax assessment

If you are in an area where the property value has depreciated, it's possible you're paying too much in property taxes. An appraisal from A & B Tax Service is your best evidence when building your case. We can assist you in disputing your tax assessment.

Eliminate PMI to lower your mortgage payment

Private Mortgage Insurance, or PMI, is an extra insurance plan that nearly all lenders ask home owners to purchase when the amount being loaned to the home owner is more than 80% of the actual value of the property. This extra payment is often bundled into the monthly mortgage payment and is quickly forgotten. PMI isn't required when the remaining balance of the loan - whether through market appreciation or principal pay down - dips below the 80% mark, making this very unfavorable. In fact, the United States Congress invoked a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to eliminate the PMI payments when the loan-to-value ratio conditions have been met.

A & B Tax Service can provide you with a statement regarding the value of your home, and the cost of the appraisal can usually be regained in just a few months because you'll no longer be paying the PMI.

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Divorce settlement with fewer hang-ups

A divorce can be a very traumatic experience for both parties, and it is often further complicated by the troublesome decision of who maintains the house. Regardless of the situation, it's a good idea to order an appraisal from A & B Tax Service so both parties are entirely aware of the true market value of their house.

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 received a fair assessment.

Ascertain a fair and accurate valuation for estate liquidation

Losing a loved one is a hard 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, ensuring the utmost degree of discretion.

Unlike wealthier individuals, most Americans don't have dedicated estate planners or executors to take care of these affairs. A home or other property often makes up an unequal share of the total estate value, so 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 Racine County for work

Employee relocation is a stressful event, and we understand. We take great care in setting up an accommodating appointment time for the appraisal inspection. During our thorough inspection, we encourage relocating employees to provide feedback on the positive features of their property, as well as information regarding any recent sales or listings in their neighborhood that they want considered.

Close on your home quickly — for 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 better educated decision when determining your selling price. Apart from a real estate agent, an appraiser has no vested interest in what price the house sells for. Our fees rest 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. Seeking a professional appraisal is a trusted way to decide what improvements will add value and what an appropriate 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 stay on the market.

Let A & B Tax Service assist you in selling your home quickly at the right price