Why get an appraisal from Rafter B Appraisal Services?

Each year, thousands of people in Arizona purchase, sell or refinance their home. Many of these transactions involve a simple line item for an appraisal. The majority of lenders still call in a local expert because the stakes are incredibly high, even though there are a budding number of automated home valuation methods that might seem more economical than an appraisal. But is obtaining a mortgage the only basis for getting an appraisal? Are there more times when the services of a licensed, independent real estate professional could be beneficial? Of course there are.


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Let Rafter B Appraisal Services help you dispute your tax assessment in Maricopa County

It's possible you're paying too much in property taxes if you live in an area where property values have declined. Property taxes are determined by a past assessment of your house, so if prices have gone down in your area, you can appeal your assessment and save money. When building your case, an appraisal from Rafter B Appraisal Services is your best evidence. We're capable of assisting 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 real estate, almost all lenders ask homebuyers to purchase an added insurance policy. That policy is Private Mortgage Insurance, or PMI. Very often, this extra payment is bundled into the monthly mortgage payment and is promptly forgotten. This is unfortunate because PMI is no longer required when the leftover balance of the loan - whether through market appreciation or principal pay down - falls below the 80% mark. In fact, the Homeowners Protection Act (HPA) of 1998 was passed by the United States Congress that requires lenders to eliminate the PMI payments when the balance is paid down to 78% of the original value.

Rafter B Appraisal Services can give you a statement regarding the value of your home, and the expense of the home valuation can generally be regained in just a few months because you'll no longer be paying the PMI.

An appraisal from Rafter B Appraisal Services will help you settle a divorce with less stress

A divorce can be a particularly traumatic ordeal for both parties, and it is often further complicated by the troublesome decision of who gets the property. It's a good idea to get an appraisal from Rafter B Appraisal Services so both parties are completely aware of the true market value of their house, regardless of the circumstances.

The parties will have a clearer picture of what price to set, if they need to sell the home. And if a "buyout" is the chosen option, both parties will feel like they've gotten a fair assessment.

Settling an estate with peace of mind

The loss of a loved one is a hard time in life, and settling an estate from a death, or probate, often requires an appraisal to establish Market Value for the real estate involved. We guarantee the fullest 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 take care of these matters, unlike wealthy individuals. And since a home or other property often makes up a disproportionate share of the total estate value, knowing the correct value of the real estate at hand is of vital importance to ensuring disputing parties leave knowing they've gotten an honest deal.

Rafter B Appraisal Services can assist you in relocating to or from Maricopa County

Moving due to a job change is a more than just an inconvenience. We know where you're coming from! That's why we take great care in setting up 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 about any recent sales or listings in their area that they want considered during our intensive process.

Don't sell out for too little or let your home stay on the market too long.

A professional appraisal will help you make a more informed decision regarding your asking price, whether you choose to sell your home on your own or with the help of a real estate agent. An appraiser has no vested interest in what price the house sells for, unlike real estate agents. Our fees depend on our efforts to finish the appraisal report and not a percentage of the sales price.

We determine the difference in value items like an extra bathroom or a kitchen remodel can make on a daily basis. Getting a professional appraisal is a reliable 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 an unnecessarily long time - because we're experts in knowing how long properties are one the market.