Let Stubbs & Associates take care of your appraisal

To a lot of people, an appraisal just looks like another fee in the long list of items for a home purchase or refinance. While there are a budding number of automated home valuation systems that may appear cheaper than an appraisal, most lenders still call for a local expert because the stakes are so high. You might assume that getting a mortgage is the only basis for getting an appraisal, but there are more instances when the services of a licensed, independent real estate professional could be helpful.

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Let Stubbs & Associates help you challenge your tax assessment

It's likely you're paying too much in property taxes if you live in an area where property values have depreciated. Property taxes are determined by a previous assessment of your home, so if prices have declined in your area, you can appeal your assessment and save money. When building your case, an appraisal from Stubbs & Associates is your best evidence. We're qualified to assist you in appealing your tax assessment.

PMI removal to lower your mortgage payment

When the amount being loaned to the home buyer is more than 80% of the actual value of the property, almost all lenders ask homeowners to buy an extra insurance plan. That policy is Private Mortgage Insurance, or PMI. Seeing that added payment is usually bundled into the monthly mortgage payment, it is often forgotten. PMI becomes unnecessary when the leftover balance of the loan - whether through market appreciation or principal pay down - dips below the 80% level, making this very unfortunate. In fact, the United States Congress implemented a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to dismiss the PMI installments when the loan-to-value ratio conditions have been met.

Stubbs & Associates can provide you with a statement regarding the value of your home, and the cost of the appraisal can usually be regained in little time because you'll no longer be paying the PMI.

An appraisal from Stubbs & Associates will help you settle a divorce with less stress

A divorce is a particularly traumatic experience for the parties involved, and it is often even more complicated by the challenging decision of who gets the house. It's a good idea to order an appraisal from Stubbs & Associates so both parties are completely aware of the true market value of their property, regardless of the situation.

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

Settling an estate with peace of mind

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. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, guaranteeing the maximum degree of discretion.

Unlike many wealthy individuals, most Americans don't have dedicated estate planners or executors to manage these affairs. A home or other property often makes up a disproportionate share of the total estate value, so understanding the true 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 the metro New Orleans area?

Employee relocation can be a more than just an inconvenience. We know where you're coming from. That's why we take great care in organizing a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide feedback on the positive characteristics of their property, as well as information regarding any recent sales or listings in their neighborhood that they want considered during our intensive process.

Let Stubbs & Associates assist you in selling your home quickly at the right price

Whether you decide to sell your home on your own or with the help of a real estate agent, a professional appraisal will help you make a more informed decision regarding your selling price. Separate from a real estate agent, an appraiser has no vested interest in what price the house sells for. The price we charge isn't a percentage of the sales price, but rather they depend on our efforts to complete the appraisal.

On a daily basis, we analyze the difference in value items like an additional bathroom or a kitchen remodel can make. And we're experts in knowing how long homes stay on the market. So, getting a professional appraisal is a trusted way to decide 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 too long, costing you time and money.