Reasons to get an appraisal from Joseph Mier & Associates

To many, an appraisal just looks like one more thing on the settlement sheet for a home sale or refinance. Even though there are a developing number of automated home valuation methods that might appear to be cheaper than an appraisal, practically all lenders still need a local expert because the stakes are so high. But is securing a mortgage the only reason to acquire an appraisal? Are there additional times when the services of a licensed, independent real estate professional might be beneficial? You bet.


	Secure appraisal ordering is easy from Joseph Mier & Associates. Just click here

Let Joseph Mier & Associates help you dispute your tax assessment in Tangipahoa County

It's quite possible you're paying too much in property taxes if you live in an area where property values have declined. Property taxes are based upon a past assessment of your home, so if values are less than what they used to be in your area, you can appeal your assessment and save money. When building your case, an appraisal from Joseph Mier & Associates is your best evidence. We're equipped to assist you in disputing your tax assessment.

PMI removal will lower your mortgage payment

Private Mortgage Insurance, or PMI, is a supplemental insurance plan that most lenders ask buyers to buy when the amount being loaned to the buyer is more than 80% of the actual value of the home. This extra payment is often folded into the monthly mortgage payment and is promptly forgotten. This is damaging because PMI isn't necessary 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 passed by the United States Congress requiring lenders to do away with the PMI payments on most mortgages when the balance is paid down to 78% of the original value.

Joseph Mier & Associates will give you a statement regarding the value of your home, and the price you paid for the home valuation can often be offset in just a few months because you'll no longer be paying the PMI.

Settling a divorce with less stress

A divorce is a very heartbreaking event for the parties involved, and it is often further complicated by the strenuous decision of who keeps the house. Regardless of the circumstances, it's wise to get an appraisal from Joseph Mier & Associates so both parties are fully aware of the true market value of their home.

If the parties wish 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 gotten a fair evaluation.

Settling an estate with peace of mind

The loss of a loved one is a painful time in life, and settling an estate from a death, or probate, often requires an appraisal to establish Market Value for the real estate 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 don't have dedicated estate planners or executors to handle these matters, unlike many wealthy individuals. And seeing that a home or other property often makes up a disproportionate share of the total estate value, understanding the certain value of the real estate at hand is of essential importance to ensuring disputing parties leave knowing they've received an honest deal.

Relocating to or from Tangipahoa County

We are familiar with the headaches involved with an employee relocation. That's why we take great care in establishing an accommodating appointment time for the appraisal inspection. During our thorough process, 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 neighborhood that they want considered.

Selling your home quickly at the right price with an appraisal from Joseph Mier & Associates

A professional appraisal will help you make a better educated decision regarding your asking price, whether you choose to sell your home on your own or with the help of a real estate agent. An appraiser has no vested interest in what price the house sells for, which is different than the interest of real estate agents. Our fees are derived from our efforts to perform the appraisal report and and aren't related to the sales price.

We determine the difference in value things like an additional bathroom or a kitchen remodel can make on a daily basis. Obtaining 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 - because we're experts in knowing how long properties are one the market.