Let DRB Appraisal serve your appraisal needsEvery year, thousands of people in Indiana buy, sell or refinance their home. A lot of these transactions contain 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 growing number of automated home valuation processes that may appear more cost-effective than an appraisal. Is securing a mortgage the only reason to get an appraisal? Are there additional situations when the services of a licensed, independent real estate professional could come in handy? Absolutely. 
Contest your tax assessmentIf you are in an area where property values have declined, it's possible you're paying too much in property taxes. An appraisal from DRB Appraisal is your best evidence when building your case. We're qualified to assist you in challenging your tax assessment. Removing PMI for mortgage paymentsPrivate Mortgage Insurance, or PMI, is an extra insurance policy that nearly all lenders ask home buyers to buy when the amount being loaned to the homeowner is more than 80% of the actual value of the property. Very often, this added payment is lumped into the monthly mortgage payment and is promptly forgotten. PMI becomes unnecessary when the remainder of the loan - whether through market appreciation or principal pay down - goes below the 80% level, making this very unfavorable. In fact, the United States Congress invoked a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to do away with the PMI installments when the loan-to-value ratio conditions have been met. DRB Appraisal will give you a statement regarding the value of your home, and the cost of the appraisal can generally be recovered in little time because you'll no longer be paying the PMI. Order your appraisal from DRB Appraisal today Order todayGet a clear valuation on a home for divorce settlementsA divorce is a particularly traumatic experience for the parties involved, and it is often even more complicated by the difficult decision of who maintains the house. It's a good idea to get an appraisal from DRB Appraisal so both parties are entirely aware of the true market value of their house, regardless of the circumstances. The parties will have a good idea of what price to set, if they want to sell the home. And if a "buyout" is the chosen option, both parties will feel like they've received a fair assessment. Determine an accurate and fair valuation for estate liquidationThe 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 Fair Market Value for the residential property involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, guaranteeing the maximum degree of discretion. Unlike wealthier individuals, most Americans do not have dedicated estate planners or executors to manage these affairs. And seeing that a home or other property often makes up an unequal share of the total estate value, knowing the true value of the real estate at hand is of significant importance to ensuring disputing parties walk away knowing they've received an honest deal. Move to or from Blackford County for workEmployee relocation can be a stressful event, and we understand. That's why we take great care in setting up an accommodating appointment time for the appraisal inspection. During our thorough inspection, we suggest relocating employees to provide feedback on the positive aspects of their property, as well as information regarding any recent sales or listings in their area that they want considered. Close on your home promptly — at an accurate priceA professional appraisal will help you make a better educated decision regarding your selling price, whether you decide to sell your home on your own or with the help of a real estate agent. An appraiser has no vested interest in what amount the house sells for, unlike real estate agents. Our fees are calculated on our efforts to finish the appraisal report and and aren't related to the sales price. We examine the difference in value things like an extra bathroom or a kitchen remodel can make on a daily basis. And we're experts in knowing how long housesare on the market. So, seeking 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. 
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