Reasons someone would need Ascend Valuation Services, LLCEach year, thousands of people in Iowa buy, sell or refinance their home. A lot of these transactions involve a simple line item for an appraisal. Practically all lenders still need a local expert because the stakes are very high, even though there are a multiplying number of automated home valuation processes that may appear less expensive than an appraisal. But is securing a mortgage the only basis for getting an appraisal? Are there additional situations when the services of a certified, independent real estate professional could be helpful? Of course.
Appeal your tax assessment in Dallas CountyIf you live in an area where property values have declined, it's possible you're paying too much in property taxes. An appraisal from Ascend Valuation Services, LLC is your best evidence when building your case. We're capable of assisting you in disputing your tax assessment.
Let Ascend Valuation Services, LLC help you eliminate PMI to lower your mortgage paymentWhen the amount being loaned to the homebuyer is more than 80% of the actual value of the real estate, almost all lenders ask homebuyers to take out an extra insurance policy. That policy is Private Mortgage Insurance, or PMI. This extra payment is often folded into the monthly mortgage payment and is quickly forgotten. This is unfavorable because PMI is unnecessary when the remaining balance of the loan - whether through market appreciation or principal pay down - falls below the 80% level. In fact, the United States Congress invoked a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to do away with the PMI payments when the loan-to-value ratio conditions have been met.
If you'd like to eliminate PMI, Ascend Valuation Services, LLC will provide you with a statement regarding the value of your home. The cost of the appraisal can often be recovered in a short amount of time because you'll no longer be paying the PMI.
Settling a divorce with less stressA divorce is often complicated by the troublesome decision of who keeps the home, and it can be a very heartbreaking occurrence for both parties. It's a good idea to get an appraisal from Ascend Valuation Services, LLC 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 want 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 assessment.
Accurate and fair estate liquidation with help from Ascend Valuation Services, LLCSettling an estateThe loss of 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 real estate involved. We guarantee the utmost degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).
Unlike wealthy individuals, most Americans don't have dedicated estate planners or executors to manage these affairs. And seeing that a home or other property often makes up an uneven share of the total estate value, understanding the correct value of the real estate at hand is of significant importance to ensuring disputing parties walk away knowing they've received a fair deal.
Relocating to or from Dallas County?We understand the headaches involved with an employee relocation. That's why we take great care in establishing an accommodating appointment time for the appraisal inspection. During our thorough process, we encourage employees that are moving to provide remarks on the positive attributes of their property, as well as information about any current sales or listings in their area that they want considered.
Sell your home quickly at the right price with an appraisal from Ascend Valuation Services, LLCWhether you want to sell your home on your own or with the help of a real estate agent, a professional appraisal can help you make a better educated decision when determining your asking price. Unlike a real estate agent, an appraiser has no vested interest in what price the house sells for. Our fees are based on our efforts to complete the appraisal report and not a percentage of the sales price.
On a daily basis, we analyze the difference in value items like an extra bathroom or a kitchen remodel can make. Getting a professional appraisal is a reliable way to decide 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 an unnecessarily long time - because we're experts in knowing how long houses are one the market.