Reasons someone would need True Value Appraisal, LLC

To many, an appraisal is simply another cost in the long list of items for a home purchase or refinance. Most lenders still call in a local expert because the stakes are incredibly high, even though there are a budding number of automated home valuation processes that might appear to be less expensive than an appraisal. You might assume that getting a mortgage is the only basis for getting an appraisal, but there are other cases when the services of a certified, independent real estate professional could be beneficial.


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Let True Value Appraisal, LLC help you challenge your tax assessment in Hillsborough County

If 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 True Value Appraisal, LLC is your best evidence. At True Value Appraisal, LLC,we can assist you in disputing your tax assessment.

How can you eliminate PMI to lower your mortgage payment?

When the amount being loaned to the homeowner is more than 80% of the actual value of the real estate, many lenders ask homeowners to take out an supplemental insurance plan. That policy is Private Mortgage Insurance, or PMI. Since the additional payment is usually folded into the monthly mortgage payment, it is often forgotten. PMI becomes unnecessary when the remainder of the loan - whether through market appreciation or principal pay down - dips below the 80% level, making this very unfortunate. 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.

If you'd like to do away with PMI, True Value Appraisal, LLC will provide you with a statement regarding the value of your home. The price you paid for the appraisal can usually be offset in a short amount of time because you'll no longer be paying the PMI.

Divorce settlement with less stress

A divorce is a very heartbreaking ordeal for the parties involved, and it is often even more complicated by the challenging decision of who gets the house. Regardless of the circumstances, it's wise to order an appraisal from True Value Appraisal, LLC so both parties are completely aware of the true market value of their property.

If the parties want to sell the home, they'll have a clearer picture 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.

Accurate and fair estate liquidation

The death of a loved one is a painful time in life, and settling an estate from a death, or probate, often calls for an appraisal to establish Market Value for the real estate involved. We ensure the fullest degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).

Most Americans do not have dedicated estate planners or executors to take care of these affairs, unlike wealthy individuals. And since a home or other property often makes up an unequal share of the total estate value, understanding the absolute value of the real estate at hand is of essential importance to ensuring disputing parties walk away knowing they've gotten a fair deal.

True Value Appraisal, LLC can help you with relocating to or from Hillsborough County

We know the stress associated with an employee relocation. That being said, we take great care in establishing a convenient appointment time for the appraisal inspection. During our detailed process, we suggest relocating employees to provide input on the positive characteristics of their property, along with information about any current sales or listings in their area that they want considered.

Don't sell out for too little or keep your home on the market too long.

A professional appraisal will help you make a more informed decision when determining your selling price, whether you choose to sell your home on your own or use the assistance of a real estate agent. An appraiser has no vested interest in what price the house sells for, unlike real estate agents. Our fees aren't contingent upon the value we come up with, but rather they rest on our efforts to complete the appraisal.

On a daily basis, we examine the difference in value items like an additional bathroom or a kitchen remodel can make. And we're experts in knowing how long houses are 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.