Reasons to consider an appraisal from Proficient Appraisals NE, LLCTo a lot of people, an appraisal is simply a line item on the settlement sheet for a home purchase or refinance. Practically all lenders still call for a local expert because the stakes are incredibly high, even though there are a budding number of automated home valuation processes that may appear less expensive than an appraisal. Is securing a mortgage the only reason you should get an appraisal? Are there also situations when the services of a certified, independent real estate professional could come in handy? Of course there are. 
Contest your tax assessmentIf you reside in an area where property values have declined, it's possible you're paying too much in property taxes. When building your case, an appraisal from us is your best evidence. We're capable of assisting you in disputing your tax assessment. Eliminate PMI to lower your mortgage paymentPrivate Mortgage Insurance, or PMI, is an added insurance policy that most lenders ask homeowners to buy when the amount being loaned to the homeowner is more than 80% of the actual value of the property. Seeing that extra payment is usually lumped into the monthly mortgage payment, it is often forgotten. This is unfavorable because PMI isn't necessary when the remainder of the loan - whether through market appreciation or principal pay down - dips below the 80% level. In fact, the United States Congress passed 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. Proficient Appraisals NE, LLC can provide you with a statement regarding the value of your home, and the price you paid for the appraisal can usually be recovered in little time because you'll no longer be paying the PMI. Get your appraisal from Proficient Appraisals NE, LLC Order onlineSettle a divorce with less stressA divorce is often complicated by the challenging decision of who maintains the home, and it can be a very traumatic occurrence for both parties. So both parties are fully aware of the true market value of their house, it's a good idea to get an appraisal from Proficient Appraisals NE, LLC, regardless of the circumstances. The parties will have a better idea of what price to set, if they need to sell the home. And if a "buyout" is the chosen option, both parties will feel like they've received a fair assessment. 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 requires an appraisal to establish Fair Market Value for the residential property 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 manage these affairs, unlike wealthy individuals. A home or other property often makes up an uneven share of the total estate value, so understanding the true value of the real estate at hand is of significant importance to ensuring disputing parties walk away knowing they've gotten an honest deal. Relocate to or from Middlesex County through an employee relocation programEmployee relocation can be a stressful event, and we understand. That's why we take great care in establishing a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide input on the positive features of their property, along with information regarding any current sales or listings in their neighborhood that they want considered during our thorough inspection. Sell your home quickly — for an accurate priceWhether you want 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 price the house sells for, unlike real estate agents. Our fees depend on our efforts to finish the appraisal report and not a percentage of the sales price. On a daily basis, we determine the difference in value items like an additional bathroom or a kitchen remodel can make. Obtaining a professional appraisal is a trusted way to determine what improvements will add value and what an applicable 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 are one the market. 
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