Let Premier Appraisals, Inc. handle your appraisal needs

To many, an appraisal just looks like another fee on the break-sheet for a home purchase or refinance. Almost all lenders still want a local expert because the stakes are very high, even though there are a growing number of automated home valuation methods that might appear to be cheaper than an appraisal. Is obtaining a mortgage the only reason to get an appraisal? Are there additional instances when the services of a certified, independent real estate professional could come in handy? Of course there are.

Let Premier Appraisals, Inc. assist you in lowering your mortgage payment

Appeal your tax assessment in Suffolk County

If you live in an area where the value of property has declined, it's possible you're paying too much in property taxes. An appraisal from Premier Appraisals, Inc. is your best evidence when building your case. We're equipped to assist you in disputing your tax assessment.

PMI removal to lower your mortgage payment

When the amount being loaned to the homeowneris more than 80% of the actual value of the home, many lenders ask home buyers to take out this supplemental insurance plan. That policy is Private Mortgage Insurance, or PMI. Since the added payment is usually bundled into the monthly mortgage payment, it is often forgotten. PMI isn't necessary when the remaining balance of the loan - whether through market appreciation or principal pay down - decreases below the 80% level, making this very unfavorable. In fact, the United States Congress passed 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.

Premier Appraisals, Inc. can give you a statement regarding the value of your home, and the price you paid for the home valuation can often be regained in a short amount of time because you'll no longer be paying the PMI.

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Get a clear valuation on a home take make a divorce settlement less stressful

A divorce can be an especially daunting ordeal for both parties, and it is often even more complicated by the strenuous decision of who keeps the home. So both parties are fully aware of the true market value of their house, it's a good idea to get an appraisal from Premier Appraisals, Inc., regardless of the circumstances.

The parties will have a a good idea of what price to set, if they want to sell the home. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've gotten a fair assessment.

Accurate and fair estate liquidation

Losing 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 real estate involved. We ensure the maximum degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).

Most Americans don't have dedicated estate planners or executors to take care of these matters, unlike wealthier individuals. A home or other property often makes up an uneven share of the total estate value, so knowing the true worth of the real estate at hand is of significant importance to ensuring disputing parties walk away knowing they've received an honest deal.

Move to or from Suffolk County through an employee relocation program

We know the stress associated with an employee relocation. That's why we take great care in establishing a convenient appointment time for the appraisal inspection. During our intensive inspection, we encourage relocating employees to provide input on the positive features of their property, as well as information regarding any new sales or listings in their neighborhood that they want considered.

Close on your home quickly — at the right price

Whether 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 selling price. An appraiser has no vested interest in what price the house sells for, apart from real estate agents. Our fees are based on our efforts to finish the appraisal report and not a percentage of the sales price.

On a daily basis, we analyze the difference in value items like an extra bathroom or a kitchen remodel can make. Getting a professional appraisal is a reliable way to decide 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 homes stay on the market.

Let Premier Appraisals, Inc. assist you in selling your home quickly at the right price