Ordering an appraisal from Steingraber & AssociatesThousands of people in Ohio purchase, sell or refinance their home every year. Most of these transactions contain a simple line item for an appraisal. Even though there are an increasing number of automated home valuation processes that may appear to be more practical than an appraisal, nearly all lenders still call for a local expert because the stakes are incredibly high. You might believe that obtaining a mortgage is the only reason to get an appraisal, but there are additional situations when the services of a licensed, independent real estate professional could be helpful.
Dispute your tax assessment in Lucas CountyIf you reside in an area where the value of property has declined, it's possible you're paying too much in property taxes. An appraisal from Steingraber & Associates is your best evidence when building your case. At Steingraber & Associates,we can assist you in challenging your tax assessment.Let Steingraber & Associates assist you in lowering your mortgage paymentWhen the amount being loaned to the home owner is more than 80% of the actual value of the property, almost all lenders ask homeowners to take out an supplemental insurance plan. That policy is Private Mortgage Insurance, or PMI. More often than not, this additional payment is lumped into the monthly mortgage payment and is promptly forgotten. This is unfavorable because PMI isn't necessary when the remaining balance of the loan - whether through market appreciation or principal pay down - decreases below the 80% level. In fact, the United States Congress passed 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.Steingraber & Associates will provide you with a statement regarding the value of your home, and the cost of the appraisal can usually be offset in little time because you'll no longer be paying the PMI. An appraisal from Steingraber & Associates will help you settle a divorce with less stressA divorce is a particularly traumatic experience for the parties involved, and it is often more complicated by the burdensome decision of who gets the home. Regardless of the circumstances, it's wise to order an appraisal from Steingraber & Associates so both parties are completely aware of the true market value of their property.The parties will have a better 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 received a fair evaluation. Settling an estate with peace of mindThe loss of a loved one is a difficult time in life, and settling an estate from a death, or probate, often requires 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.Most Americans don't have dedicated estate planners or executors to handle these affairs, unlike many wealthy individuals. A home or other property often makes up an unequal share of the total estate value, so knowing the true value of the real estate at hand is of vital importance to ensuring disputing parties walk away knowing they've received an honest deal. Relocating to or from Lucas CountyMoving due to a job change can be a stressful event. We know where you're coming from! That being said, we take great care in establishing an accommodating appointment time for the appraisal inspection. During our intensive process, we encourage relocating employees to provide remarks on the positive characteristics of their property, along with information about any current sales or listings in their neighborhood that they want considered.Sell your home quickly at the right price with an appraisal from Steingraber & AssociatesA professional appraisal can help you make a more informed decision when determining your asking price, whether you want to sell your home on your own or with the help of a real estate agent. An appraiser has no vested interest in what amount the house sells for, which is different than the interest of real estate agents. Our fees are calculated on our efforts to complete 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 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 are one the market. |
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