Let Summers & Associates LLC take care of your appraisal needsTo a lot of us, an appraisal is simply another fee in the long list of items for a mortgage or refinance. While there are a growing number of automated home valuation methods that may appear to be more economical than an appraisal, most lenders still call in a local expert because the stakes are very high. You might think that securing a mortgage is the only reason to get an appraisal, but there are other cases when the services of a licensed, independent real estate professional might be beneficial. 
Contest your tax assessment in Allen CountyIt's probable you're paying too much in property taxes if you reside in an area where property values have declined. Ad Valorem taxes are based upon a past assessment of your real estate, so if values are less than what they used to be in your neighborhood, you can challenge your assessment and save money. An appraisal from Summers & Associates LLC is your best evidence when building your case. At Summers & Associates LLC, we're qualified to assist you in challenging your tax assessment. Removing PMI for mortgage paymentsWhen the amount being loaned to the homebuyeris more than 80% of the actual value of the home, almost all lenders ask buyers to buy this additional insurance plan. That policy is Private Mortgage Insurance, or PMI. Since the extra payment is usually bundled into the monthly mortgage payment, it is often forgotten. PMI isn't required when the remaining balance of the loan - whether through market appreciation or principal pay down - falls below the 80% mark, making this very unfavorable. In fact, the United States Congress passed a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to eliminate the PMI installments when the loan-to-value ratio conditions have been met. If you'd like to eliminate PMI, Summers & Associates LLC will give you a statement regarding the value of your home. The price you paid for the home valuation can often be offset in little time because you'll no longer be paying the PMI. Order an appraisal from Summers & Associates LLC Order todaySettle a divorce with fewer hang-upsA divorce can be a very traumatic experience for both parties, and it is often further complicated by the hard decision of who gets the house. So both parties are fully aware of the true market value of their property, it's a good idea to order an appraisal from Summers & Associates LLC, regardless of the situation. If the parties need to sell the home, they'll have a clearer picture of what price to set. And 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 liquidationThe loss 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 Fair Market Value for the residential property involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, ensuring the maximum degree of discretion. Unlike wealthy individuals, most Americans do not have dedicated estate planners or executors to manage these affairs. A home or other property often makes up a disproportionate share of the total estate value, so knowing the true worth of the real estate at hand is of essential importance to ensuring disputing parties leave knowing they've gotten an honest deal. Relocate to or from Allen County through an employee relocation programWe understand the headaches associated with an employee relocation. We take great care in establishing an accommodating appointment time for the appraisal inspection. During our intensive inspection, we encourage relocating employees to provide feedback on the positive attributes of their property, along with information about any new sales or listings in their area that they want considered. Close on your home promptly — for the right priceA professional appraisal will help you make a better educated decision when determining your asking price, whether you decide to sell your home on your own or with the help of a real estate agent. 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 not a percentage of the sales price. On a daily basis, we determine the difference in value things like an extra bathroom or a kitchen remodel can make. Seeking 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 properties stay on the market. 
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