Reasons to get an appraisal

Each year, thousands of people in Texas purchase, sell or refinance their home. A lot of these transactions contain a simple line item for an appraisal. And even though there are an increasing number of automated home valuation methods that might seem less expensive than an appraisal, nearly all lenders still call for a local expert because the stakes are so high. But is obtaining a mortgage the only basis for getting an appraisal? Are there other times when the services of a licensed, independent real estate professional might be helpful? Of course.


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Dispute your tax assessment in Kaufman County

If you live in an area where property values have declined, it's possible you're paying too much in property taxes. An appraisal from Apex Appraisals is your best evidence when building your case. At Apex Appraisals, we're equipped to assist you in disputing your tax assessment.

Let Apex Appraisals assist you in lowering your mortgage payment

When the amount being loaned to the home owner is more than 80% of the actual value of the property, almost all lenders ask homeowners to take out an additional insurance plan. That policy is Private Mortgage Insurance, or PMI. Most often, this additional payment is bundled into the monthly mortgage payment and is quickly forgotten. This is bad because PMI is no longer required when the leftover 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 eliminate the PMI payments when the loan-to-value ratio conditions have been met.

If you'd like to eliminate PMI, Apex Appraisals can provide you with a statement regarding the value of your home. The cost of the home valuation can usually be offset in just a few months because you'll no longer be paying the PMI.

Settling a divorce with less stress with an appraisal from Apex Appraisals

A 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 house. Regardless of the situation, it's prudent to order an appraisal from Apex Appraisals so both parties are completely aware of the true market value of their house.

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

Trustworthy estate liquidation

The death of 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 Market Value for the real estate involved. We guarantee the fullest 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 handle these issues, unlike wealthier individuals. And seeing that a home or other property often makes up a disproportionate share of the total estate value, understanding the absolute value of the real estate at hand is of vital importance to ensuring disputing parties walk away knowing they've received a fair deal.

Relocating to or from Kaufman County?

Moving due to a job change can be a stressful event. We know where you're coming from! That's why we take great care in setting up an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide remarks on the positive features of their property, along with information about any recent sales or listings in their neighborhood that they want considered during our intensive process.

Let Apex Appraisals assist you in selling your home quickly at the right price

Whether you want to sell your home on your own or use the assistance of a real estate agent, a professional appraisal will help you make a more informed decision when determining your selling price. Separate from 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 finish the appraisal report and not a percentage of the sales price.

We determine the difference in value items like an extra bathroom or a kitchen remodel can make on a daily basis. 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 - because we're experts in knowing how long homes stay on the market.