Let Gold Coast Appraisal Group LLC handle your appraisal needs
To a lot of us, an appraisal just looks like another cost on the settlement sheet for a home sale or refinance. Almost all lenders still want a local expert because the stakes are incredibly high, even though there are a developing number of automated home valuation processes that might appear more practical than an appraisal. You might believe that obtaining a mortgage is the only reason to get an appraisal, but there are more situations when the services of a certified, independent real estate professional could be beneficial.
Contest your tax assessment
If you are in an area where the property value has declined, it's possible you're paying too much in property taxes. An appraisal from Gold Coast Appraisal Group LLC is your best evidence when building your case. At Gold Coast Appraisal Group LLC, we're qualified to assist you in appealing your tax assessment.
Get rid of PMI to lower your mortgage payment
Private Mortgage Insurance, or PMI, is an additional insurance plan that many lenders ask homebuyers to purchase when the amount being loaned to the homebuyer is more than 80% of the actual value of the home. Most often, this additional payment is folded into the monthly mortgage payment and is quickly forgotten. PMI is no longer required when the remaining balance of the loan - whether through market appreciation or principal pay down - falls below the 80% mark, making this very unfortunate. 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.
Gold Coast Appraisal Group LLC can provide you with a statement regarding the value of your home, and the price you paid for the home valuation can often be offset in little time because you'll no longer be paying the PMI.
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Divorce settlement with fewer hang-ups
A divorce is often complicated by the challenging decision of who gets the home, and it can be a very horrible event for both parties. So both parties are completely aware of the true market value of their property, it's a good idea to order an appraisal from Gold Coast Appraisal Group LLC, regardless of the situation.
If the parties wish to sell the home, they'll have a better idea of what price to set. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've received a fair evaluation.
Accurate and fair estate liquidation
Losing a loved one is a painful time in life, and settling an estate from a death, or probate, often requires an appraisal to establish Fair Market Value for the residential property 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 wealthier individuals, most Americans do not have dedicated estate planners or executors to manage these affairs. And seeing that a home or other property often makes up an unequal share of the total estate value, 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.
Move to or from Bergen County through an employee relocation program
We know the headaches involved with an employee relocation. That being said, we take great care in organizing an accommodating appointment time for the appraisal inspection. During our detailed inspection, we encourage relocating employees to provide input on the positive attributes of their property, as well as information about any current sales or listings in their neighborhood that they want considered.
Sell your home quickly — for the right price
A professional appraisal can help you make a more informed decision regarding your asking price, whether you want 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 aren't a percentage of the sales price, but rather they are based on our efforts to finish the appraisal report.
On a daily basis, we determine the difference in value items like an additional bathroom or a kitchen remodel can make. And we're experts in knowing how long homesstay on the market. So, seeking a professional appraisal is a trusted 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.