Let The August Group Inc. take care of your appraisal needs
To a lot of people, an appraisal is simply a line item in the long list of items for a home sale or refinance. The majority of lenders still call in a local expert because the stakes are incredibly high, even though there are an increasing number of automated home valuation systems that might appear more prudent than an appraisal. Is obtaining a mortgage the only reason you should get an appraisal? Are there also times when the services of a certified, independent real estate professional could be helpful? You bet there are.
Contest your tax assessment in Saint Louis County
It's probable you're paying too much in property taxes if you reside in an area where property values have declined. Property taxes are based upon a previous assessment of your real estate, so if values have declined in your area, you can appeal your assessment and save money. An appraisal from The August Group Inc. is your best evidence when building your case. We can assist you in appealing your tax assessment.
PMI removal to reduce your mortgage payment
Private Mortgage Insurance, or PMI, is a supplemental insurance policy that almost all lenders ask buyers to buy when the amount being loaned to the homebuyer is more than 80% of the actual value of the property. Most often, this extra payment is bundled into the monthly mortgage payment and is quickly forgotten. This is unfavorable because PMI isn't necessary when the remainder of the loan - whether through market appreciation or principal pay down - goes below the 80% level. In fact, the United States Congress passed a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to do away with the PMI payments when the loan-to-value ratio conditions have been met.
The August Group Inc. will produce a statement regarding the value of your home, and the cost of the home valuation can generally be offset in little time because you'll no longer be paying the PMI.
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Get a fair valuation on a home take make a divorce settlement less stressful
A divorce is a particularly daunting experience for the parties involved, and it is often further complicated by the strenuous decision of who gets the property. So both parties are completely aware of the true market value of their property, it's a good idea to get an appraisal from The August Group Inc., regardless of the circumstances.
If the parties need to sell the home, they'll have a a good 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 evaluation.
Determine an accurate and fair valuation for estate liquidation
Losing a loved one is a hard time in life, and settling an estate from a death, or probate, often calls for an appraisal to establish Fair Market Value for the residential property involved. We guarantee the fullest degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).
Unlike wealthy 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 uneven 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 leave knowing they've gotten an honest deal.
Move to or from Saint Louis County through an employee relocation program
We are aware of the headaches involved with an employee relocation. We take great care in establishing a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide remarks on the positive aspects of their property, as well as information regarding any recent sales or listings in their neighborhood that they want considered during our thorough inspection.
Close on your home promptly — at an accurate price
Whether you want to sell your home on your own or use the assistance of a real estate agent, a professional appraisal will help you make a more informed decision when determining your selling price. Apart from a real estate agent, an appraiser has no vested interest in what amount the house sells for. Our fees aren't related to the sales price, but rather they depend on our efforts to finish the appraisal report.
We analyze the difference in value items like an additional bathroom or a kitchen remodel can make on a daily basis. And we're experts in knowing how long housesare on the market. So, obtaining a professional appraisal is a trusted way to decide 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.