Let Premier Appraisals, Inc. serve your appraisal needs

Thousands of people in New York buy, sell or refinance their home every month. Many of these transactions contain a simple line item for an appraisal. Practically all lenders still need a local expert because the stakes are so high, even though there are a multiplying number of automated home valuation methods that may appear to be less expensive than an appraisal. Is securing a mortgage the only reason to get an appraisal? Are there more instances when the services of a certified, independent real estate professional could be beneficial? You bet there are.

Let Premier Appraisals, Inc. help you lower your mortgage payment

Appeal your tax assessment

If you are in an area where the value of property has declined, it's possible you're paying too much in property taxes. An appraisal from Premier Appraisals, Inc. is your best evidence when building your case. We're equipped to assist you in challenging your tax assessment.

PMI removal to lower your mortgage payment

Private Mortgage Insurance, or PMI, is an added insurance policy that many lenders ask buyers to purchase when the amount being loaned to the homeowner is more than 80% of the actual value of the real estate. This extra payment is often bundled into the monthly mortgage payment and is promptly forgotten. PMI is unnecessary when the remaining balance of the loan - whether through market appreciation or principal pay down - dips below the 80% mark, making this very unfavorable. In fact, the United States Congress implemented a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to eliminate the PMI installments when the loan-to-value ratio conditions have been met.

If you'd like to get rid of PMI, Premier Appraisals, Inc. can give you a statement regarding the value of your home. The price you paid for the appraisal can generally be regained in just a few months because you'll no longer be paying the PMI.

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Settle a divorce with fewer hang-ups

A divorce can be a very traumatic experience for both parties, and it is often more complicated by the strenuous decision of who maintains the home. Regardless of the situation, it's a good idea to get an appraisal from Premier Appraisals, Inc. so both parties are completely aware of the true market value of their house.

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 gotten a fair evaluation.

Accurate and fair estate liquidation

The loss of 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 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).

Most Americans do not have dedicated estate planners or executors to handle these affairs, unlike wealthy individuals. A home or other property often makes up an unequal share of the total estate value, so understanding the true worth of the real estate at hand is of essential importance to ensuring disputing parties walk away knowing they've received a fair deal.

Relocate to or from Suffolk County through an employee relocation program

Employee relocation is a stressful event, and we understand. That's why we take great care in setting up an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide feedback on the positive features of their property, as well as information regarding any new sales or listings in their area that they want considered during our thorough inspection.

Sell your home promptly — at the right price

Whether you decide 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. Unlike a real estate agent, an appraiser has no vested interest in what amount the house sells for. Our fees are calculated on our efforts to finish the appraisal report and and aren't related to the sales price.

On a daily basis, we analyze the difference in value items like an extra bathroom or a kitchen remodel can make. 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, because we're experts in knowing how long properties stay on the market.

Let Premier Appraisals, Inc. help you sell your home quickly at the right price