RJK APPRAISALS, LLC in Winchester are hired for diverse purposes

To a lot of us, an appraisal just looks like a line item in the long list of items for a mortgage or refinance. While there are a multiplying number of automated home valuation systems that might appear to be less expensive than an appraisal, nearly all lenders still call in a local expert because the stakes are incredibly high. But is obtaining a mortgage the only reason to acquire an appraisal? Are there more cases when the services of a licensed, independent real estate professional could be helpful? You bet.


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Let RJK APPRAISALS, LLC help you challenge your tax assessment in Frederick County

It's probable you're paying too much in property taxes if you reside in an area where property values have depreciated. Property taxes are determined by a previous assessment of your home, so if values are less than what they used to be in your neighborhood, you can appeal your assessment and save money. When building your case, an appraisal from RJK APPRAISALS, LLC is your best evidence. At RJK APPRAISALS, LLC,we can assist you in challenging your tax assessment.

PMI removal will lower your mortgage payment

When the amount being loaned to the homebuyer is more than 80% of the actual value of the home, almost all lenders ask buyers 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. This is unfavorable because PMI isn't necessary when the remainder of the loan - whether through market appreciation or principal pay down - goes below the 80% level. In fact, the United States Congress passed a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to remove the PMI installments when the loan-to-value ratio conditions have been met.

RJK APPRAISALS, LLC will provide you with a statement regarding the value of your home, and the expense of the appraisal can generally be recovered in just a few months 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 maintains the home, and it can be a very heartbreaking occurrence for both parties. Regardless of the circumstances, it's a good idea to get an appraisal from RJK APPRAISALS, LLC so both parties are entirely aware of the true market value of their property.

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

Fair and accurate estate liquidation with help from RJK APPRAISALS, LLCSettling an estate

Losing a loved one is a hard 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. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, ensuring the maximum degree of discretion.

Most Americans don't have dedicated estate planners or executors to manage these issues, unlike wealthier individuals. And since a home or other property often makes up a disproportionate share of the total estate value, knowing the precise value of the real estate at hand is of vital importance to ensuring disputing parties walk away knowing they've gotten an honest deal.

RJK APPRAISALS, LLC can assist you in relocating to or from Frederick County

Employee relocation can be a real pain, and we understand. That being said, we take great care in organizing a convenient appointment time for the appraisal inspection. During our thorough process, we recommend employees that are moving to provide remarks on the positive features of their property, along with information regarding any current sales or listings in their neighborhood that they want considered.

Let RJK APPRAISALS, LLC help you sell your home quickly at the right price

Whether you choose to sell your home on your own or use the assistance of a real estate agent, a professional appraisal can help you make a more informed decision when determining your asking price. An appraiser has no vested interest in what amount the house sells for, unlike real estate agents. The price we charge isn't contingent upon the value we report, but rather they rest on our efforts to complete the appraisal.

On a daily basis, we examine the difference in value things like an additional bathroom or a kitchen remodel can make. And we're experts in knowing how long homes are on the market. So, getting 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 too long, costing you time and money.