There are lots of reasons the public calls on Neal F. Spangler Appraiser, Inc.Thousands of people in Florida purchase, sell or refinance their home every year. Many of these transactions consist of a simple line item for an appraisal. And even though there are a budding number of automated home valuation processes that may appear more practical than an appraisal, most lenders still call in a local expert because the stakes are very high. You might believe that getting a mortgage is the only reason to get an appraisal, but there are additional situations when the services of a certified, independent real estate professional might come in handy.
Dispute your tax assessment in Miami-Dade CountyIf you reside in an area where property values have depreciated, it's possible you're paying too much in property taxes. An appraisal from Neal F. Spangler Appraiser, Inc. is your best evidence when building your case. We're qualified to assist you in challenging your tax assessment.
How can you do away with PMI to lower your mortgage payment?Private Mortgage Insurance, or PMI, is an extra insurance policy that nearly all lenders ask home owners to purchase when the amount being loaned to the homeowner is more than 80% of the actual value of the real estate. Since the added payment is usually lumped into the monthly mortgage payment, it is often forgotten. PMI is no longer required when the remaining balance of the loan - whether through market appreciation or principal pay down - falls below the 80% level, making this very unfavorable. 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 when the balance is paid down to 78% of the original value.
If you'd like to eliminate PMI, Neal F. Spangler Appraiser, Inc. can produce a statement regarding the value of your home. The cost of the home valuation can usually be regained in a short amount of time because you'll no longer be paying the PMI.
Divorce settlement with less stressA divorce is an especially traumatic ordeal for the parties involved, and it is often even more complicated by the difficult decision of who maintains the property. Regardless of the situation, it's a good idea to get an appraisal from Neal F. Spangler Appraiser, Inc. so both parties are fully aware of the true market value of their property.
The parties will have a good idea of what price to set, if they want to sell the home. And if a "buyout" is the chosen option, both parties will feel like they've received a fair evaluation.
Accurate and fair estate liquidationThe 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 residential property involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, ensuring the fullest degree of discretion.
Unlike many wealthy individuals, most Americans do not have dedicated estate planners or executors to take care of these matters. And since a home or other property often makes up an uneven share of the total estate value, knowing the certain value of the real estate at hand is of significant importance to ensuring disputing parties walk away knowing they've received a fair deal.
Let Neal F. Spangler Appraiser, Inc. help you with relocating to or from Miami-Dade CountyEmployee relocation can be a real pain. We know where you're coming from! That's why we take great care in setting up an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide remarks on the positive characteristics of their property, along with information regarding any recent sales or listings in their area that they want considered during our intensive process.
Let Neal F. Spangler Appraiser, Inc. assist you in selling your home quickly at the right priceWhether you choose 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 asking price. Unlike a real estate agent, an appraiser has no vested interest in what price the house sells for. Our fees are derived from our efforts to complete the appraisal report and not a percentage of the sales price.
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 determine 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 houses stay on the market.