There are lots of reasons people call on Tami Ayres

To a lot of people, an appraisal is simply one more thing in the long list of items for a home purchase or refinance. Practically all lenders still need a local expert because the stakes are incredibly high, even though there are a budding number of automated home valuation systems that may appear more economical than an appraisal. You might assume that obtaining a mortgage is the only reason to get an appraisal, but there are more cases when the services of a certified, independent real estate professional might be helpful.

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Appeal your tax assessment in Grays Harbor County

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

How can you eliminate PMI to lower your mortgage payment?

Private Mortgage Insurance, or PMI, is an additional insurance plan that most lenders ask home owners to purchase when the amount being loaned to the home buyer is more than 80% of the actual value of the real estate. This additional payment is often lumped into the monthly mortgage payment and is soon forgotten. This is unfortunate because PMI is unnecessary when the remaining balance of the loan - whether through market appreciation or principal pay down - decreases below the 80% mark. In fact, the United States Congress implemented a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to do away with the PMI payments when the loan-to-value ratio conditions have been met.

If you'd like to do away with PMI, Tami Ayres can provide you with a statement regarding the value of your home. The price you paid for the appraisal can usually be recovered in little time because you'll no longer be paying the PMI.

Divorce settlement with less stress

A divorce is often complicated by the difficult decision of who keeps the home, and it can be a particularly heartbreaking ordeal for both parties. It's a good idea to order an appraisal from Tami Ayres so both parties are completely aware of the true market value of their home, regardless of the situation.

The parties will have a better idea of what price to set, if they wish to sell the home. And if a "buyout" is the chosen option, both parties will feel like they've received a fair evaluation.

Settling an estate with peace of mind

The death of a loved one is a hard time in life, and settling an estate from a death, or probate, often entails an appraisal to establish 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).

Unlike wealthy individuals, most Americans don't have dedicated estate planners or executors to take care of these matters. And since a home or other property often makes up an uneven share of the total estate value, knowing the true value of the real estate at hand is of vital importance to ensuring disputing parties walk away knowing they've gotten an honest deal.

Relocating to or from Grays Harbor County

We are familiar with the headaches involved with an employee relocation. That being said, we take great care in setting up a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide remarks on the positive features of their property, as well as information regarding any current sales or listings in their neighborhood that they want considered during our thorough process.

Don't sell out short or let your home stay on the market too long.

Whether you decide to sell your home on your own or use the assistance of a real estate agent, a professional appraisal can help you make a more informed decision regarding your asking price. Unlike a real estate agent, an appraiser has no vested interest in what price the house sells for. Our fees are calculated on our efforts to complete the appraisal report and not a percentage of the sales price.

On a daily basis, we examine the difference in value things like an additional bathroom or a kitchen remodel can make. And we're experts in knowing how long properties are on the market. So, seeking 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 for an extended amount of time.