Why would you need an appraisal from Paula Moss?

To a lot of people, an appraisal just looks like one more thing on the settlement sheet for a home sale or refinance. Most lenders still call for a local expert because the stakes are very high, even though there are an increasing number of automated home valuation systems that may appear to be more economical than an appraisal. But is securing a mortgage the only basis for getting an appraisal? Are there additional instances when the services of a certified, independent real estate professional might be helpful? Of course.


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Dispute your tax assessment in Travis County

If you live in an area where the value of property has declined, it's possible you're paying too much in property taxes. When building your case, an appraisal from Paula Moss is your best evidence. At Paula Moss, we're capable of assisting you in appealing your tax assessment.

How can you do away with PMI to lower your mortgage payment?

Private Mortgage Insurance, or PMI, is an additional insurance policy that almost all lenders ask buyers to buy when the amount being loaned to the home owner is more than 80% of the actual value of the real estate. This added payment is often folded into the monthly mortgage payment and is promptly forgotten. This is unfortunate because PMI becomes unnecessary when the remaining balance of the loan - whether through market appreciation or principal pay down - decreases below the 80% level. In fact, the United States Congress implemented a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to dismiss the PMI payments when the loan-to-value ratio conditions have been met.

If you'd like to do away with PMI, Paula Moss can give you a statement regarding the value of your home. The price you paid for the home valuation can often be offset in just a few months because you'll no longer be paying the PMI.

Divorce settlement with less stress

A divorce is a very daunting experience for the parties involved, and it is often even more complicated by the challenging decision of who maintains the property. Regardless of the situation, it's prudent to order an appraisal from Paula Moss so both parties are completely aware of the true market value of their property.

If the parties want to sell the home, they'll have a a good 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 gotten a fair evaluation.

Settling an estate with peace of mind

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 Market Value for the residential property involved. We guarantee the maximum 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 matters, unlike wealthier individuals. And seeing that a home or other property often makes up an uneven share of the total estate value, understanding the precise value of the real estate at hand is of essential importance to ensuring disputing parties leave knowing they've gotten an honest deal.

Paula Moss can assist you in relocating to or from Travis County

Moving due to a job change is a real pain, and we understand. 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 regarding any new sales or listings in their area that they want considered during our thorough process.

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

Whether you want to sell your home on your own or use the assistance of a real estate agent, a professional appraisal can help you make a better educated decision regarding your asking price. Unlike a real estate agent, an appraiser has no vested interest in what amount the house sells for. Our fees are derived from our efforts to complete the appraisal report and and aren't related to the sales price.

We analyze the difference in value things like an extra bathroom or a kitchen remodel can make on a daily basis. Getting a professional appraisal is a reliable 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 properties stay on the market.