Let Central Alabama Appraisal take care of your appraisal needsTo a lot of people, an appraisal just looks like another cost on the break-sheet for a home purchase or refinance. Most lenders still want a local expert because the stakes are so high, even though there are a developing number of automated home valuation processes that may appear more practical than an appraisal. Is securing a mortgage the only reason you should get an appraisal? Are there other cases when the services of a certified, independent real estate professional might come in handy? You bet there are. 
Appeal your tax assessment in Elmore CountyIf you reside in an area where property values have depreciated, it's possible you're paying too much in property taxes. When building your case, an appraisal from us is your best evidence. At Central Alabama Appraisal, we're qualified to assist you in challenging your tax assessment. PMI removal to lower your mortgage paymentPrivate Mortgage Insurance, or PMI, is a supplemental insurance plan that nearly all lenders ask homeowners to buy when the amount being loaned to the home owner is more than 80% of the actual value of the property. Since the added payment is usually bundled into the monthly mortgage payment, it is often forgotten. This is bad because PMI becomes unnecessary when the remaining balance of the loan - whether through market appreciation or principal pay down - dips below the 80% mark. In fact, the United States Congress implemented a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to dismiss the PMI payments when the loan-to-value ratio conditions have been met. Central Alabama Appraisal can provide you with a statement regarding the value of your home, and the price you paid for the home valuation can usually be recovered in just a few months because you'll no longer be paying the PMI. Order your appraisal from Central Alabama Appraisal today Order onlineDivorce settlement with fewer hang-upsA divorce is a particularly traumatic experience for the parties involved, and it is often even more complicated by the strenuous decision of who maintains the house. Regardless of the situation, it's a good idea to order an appraisal from Central Alabama Appraisal so both parties are entirely aware of the true market value of their property. If the parties want to sell the home, they'll have a better 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. Ascertain an accurate and fair valuation for estate liquidationLosing a loved one is a painful time in life, and settling an estate from a death, or probate, often requires 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 highest degree of discretion. Most Americans do not have dedicated estate planners or executors to manage these issues, 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 significant importance to ensuring disputing parties walk away knowing they've received an honest deal. Relocate to or from Elmore County through an employee relocation programWe are familiar with the headaches associated with an employee relocation. That being said, we take great care in setting up an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide input on the positive features of their property, as well as information about any new sales or listings in their area that they want considered during our detailed inspection. Close on your home promptly — for an accurate 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 more informed decision regarding your asking price. An appraiser has no vested interest in what amount the house sells for, unlike real estate agents. Our fees depend on our efforts to complete the appraisal report and and aren't related to the sales price. On a daily basis, we analyze the difference in value items like an additional bathroom or a kitchen remodel can make. And we're experts in knowing how long housesare on the market. So, getting 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. 
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