There are lots of reasons people call on Venturo Residential Appraisals

To a lot of us, an appraisal is simply one more thing in the long list of items for a home sale or refinance. Most lenders still need a local expert because the stakes are so high, even though there are an increasing number of automated home valuation processes that might appear less expensive than an appraisal. But is obtaining a mortgage the only reason you should get an appraisal? Are there also cases when the services of a certified, independent real estate professional might be helpful? You bet there are.

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Let us help you appeal your tax assessment in Union 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. When building your case, an appraisal from Phil DeGregorio is your best evidence. We're capable of assisting you in challenging your tax assessment.

PMI removal will lower your mortgage payment

When the amount being loaned to the home owner is more than 80% of the actual value of the real estate, almost all lenders ask homebuyers to take out an added insurance plan. That policy is Private Mortgage Insurance, or PMI. This extra payment is often bundled into the monthly mortgage payment and is promptly forgotten. This is damaging because PMI becomes unnecessary when the leftover balance of the loan - whether through market appreciation or principal pay down - goes 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 remove the PMI payments when the loan-to-value ratio conditions have been met.

If you'd like to do away with PMI, Phil DeGregorio can give you a statement regarding the value of your home. The cost of the appraisal can usually be offset in a short amount of time because you'll no longer be paying the PMI.

Divorce settlement with less stress

A divorce is often complicated by the challenging decision of who keeps the home, and it can be a particularly heartbreaking experience for both parties. Regardless of the circumstances, it's a good idea to order an appraisal from Phil DeGregorio so both parties are entirely aware of the true market value of their home.

If the parties want 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 gotten a fair assessment.

Accurate and fair estate liquidation

The death of a loved one is a difficult time in life, and settling an estate from a death, or probate, often requires an appraisal to establish Market Value for the residential property involved. We ensure the fullest degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).

Unlike wealthier individuals, most Americans don't have dedicated estate planners or executors to take care of these affairs. A home or other property often makes up a disproportionate share of the total estate value, so knowing the true value of the real estate at hand is of essential importance to ensuring disputing parties leave knowing they've gotten a fair deal.

Relocating to or from Union County

We understand the stress involved with an employee relocation. We take great care in organizing a convenient appointment time for the appraisal inspection. During our detailed process, we suggest relocating employees to provide remarks on the positive characteristics of their property, as well as information regarding any recent sales or listings in their neighborhood that they want considered.

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

A professional appraisal can help you make a more informed decision when determining your asking price, whether you choose to sell your home on your own or use the assistance of a real estate agent. An appraiser has no vested interest in what price the house sells for, unlike real estate agents. Our fees depend on our efforts to finish the appraisal report and and aren't related to the sales price.

On a daily basis, we determine the difference in value items like an additional bathroom or a kitchen remodel can make. Obtaining a professional appraisal is a trusted way to determine 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 are one the market.