6 Reasons you should order an appraisal from Laredo Appraisal Group, LLC.Year after year, thousands of people in Texas purchase, sell or refinance their home. Most of these transactions include a simple line item for an appraisal. The majority of lenders still need a local expert because the stakes are so high, even though there are a developing number of automated home valuation processes that might seem less expensive than an appraisal. You might assume that obtaining a mortgage is the only reason to acquire an appraisal, but there are other times when the services of a certified, independent real estate professional might be beneficial. 
Dispute your tax assessmentIt's possible you're paying too much in property taxes if you live in an area where property values have depreciated. Property taxes are based upon a past assessment of your house, so if values have declined in your neighborhood, you can challenge your assessment and save money. An appraisal from Laredo Appraisal Group, LLC. is your best evidence when building your case. At Laredo Appraisal Group, LLC., we're equipped to assist you in challenging your tax assessment. Eliminate PMI to lower your mortgage paymentWhen the amount being loaned to the homeowneris more than 80% of the actual value of the home, almost all lenders ask home buyers to purchase this added insurance plan. That policy is Private Mortgage Insurance, or PMI. Most often, this added payment is bundled into the monthly mortgage payment and is quickly forgotten. This is unfortunate because PMI isn't required when the remainder of the loan - whether through market appreciation or principal pay down - falls below the 80% mark. In fact, the Homeowners Protection Act (HPA) of 1998 was invoked by the United States Congress requiring lenders to remove the PMI payments when the loan-to-value ratio conditions have been met. Laredo Appraisal Group, LLC. will provide you with a statement regarding the value of your home, and the cost of the home valuation can usually be regained in just a few months because you'll no longer be paying the PMI. Order an appraisal from Laredo Appraisal Group, LLC. Order onlineDivorce settlement with fewer hang-upsA divorce can be a very traumatic experience for both parties, and it is often even more complicated by the hard decision of who keeps the property. Regardless of the situation, it's a good idea to order an appraisal from Laredo Appraisal Group, LLC. so both parties are fully aware of the true market value of their home. The parties will have a clearer picture 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 assessment. Accurate and fair estate liquidationLosing a loved one is a difficult 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 highest 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 manage these issues, unlike wealthier individuals. And since a home or other property often makes up an unequal share of the total estate value, knowing the true worth of the real estate at hand is of essential importance to ensuring disputing parties walk away knowing they've received a fair deal. Move to or from Webb County through an employee relocation programWe understand the headaches involved with an employee relocation. That being said, we take great care in organizing a convenient appointment time for the appraisal inspection. During our intensive inspection, we encourage relocating employees to provide input on the positive characteristics of their property, along with information regarding any current sales or listings in their area that they want considered. Sell your home promptly — at an accurate priceA professional appraisal can help you make a more informed decision regarding your selling price, whether you decide to sell your home on your own or use the assistance of a real estate agent. Apart from a real estate agent, an appraiser has no vested interest in what price the house sells for. Our fees aren't a percentage of the sales price, but rather they rest on our efforts to finish the appraisal report. On a daily basis, we analyze the difference in value items like an extra bathroom or a kitchen remodel can make. And we're experts in knowing how long homesare on the market. So, getting 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. 
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