Let Race Appraisal Services, LLC handle your appraisal needsTo a lot of people, an appraisal is simply one more thing in the long list of items for a home purchase or refinance. And while there are a growing number of automated home valuation processes that may appear more prudent than an appraisal, practically all lenders still want a local expert because the stakes are incredibly high. Is obtaining a mortgage the only reason to get an appraisal? Are there additional cases when the services of a licensed, independent real estate professional might come in handy? You bet there are. 
Dispute your tax assessment in Hampden CountyIf you are in an area where the value of property has depreciated, it's possible you're paying too much in property taxes. An appraisal from Race Appraisal Services, LLC is your best evidence when building your case. At Race Appraisal Services, LLC, we're qualified to assist you in appealing your tax assessment. Getting rid of your PMI for mortgage paymentsWhen the amount being loaned to the home owneris more than 80% of the actual value of the property, nearly all lenders ask home owners to purchase this additional insurance policy. That policy is Private Mortgage Insurance, or PMI. Since the added payment is usually folded into the monthly mortgage payment, it is often forgotten. This is damaging because PMI becomes unnecessary when the remainder of the loan - whether through market appreciation or principal pay down - decreases below the 80% mark. In fact, the United States Congress implemented a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to eliminate the PMI payments when the loan-to-value ratio conditions have been met. Race Appraisal Services, LLC can give you a statement regarding the value of your home, and the price you paid for the appraisal can usually be offset in little time because you'll no longer be paying the PMI. Order your appraisal from Race Appraisal Services, LLC today Order onlineSettle a divorce with fewer hang-upsA divorce can be a particularly horrible ordeal for both parties, and it is often even more complicated by the difficult decision of who gets the property. So both parties are completely aware of the true market value of their property, it's a good idea to get an appraisal from Race Appraisal Services, LLC, regardless of the circumstances. The parties will have a a good idea 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 evaluation. Ascertain a fair and accurate valuation for estate liquidationThe loss of a loved one is a hard time in life, and settling an estate from a death, or probate, often entails an appraisal to establish Fair Market Value for the residential property 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). Most Americans don't have dedicated estate planners or executors to take care of these issues, unlike wealthier individuals. And since a home or other property often makes up an uneven share of the total estate value, understanding the true value of the real estate at hand is of essential importance to ensuring disputing parties walk away knowing they've gotten an honest deal. Move to or from Hampden County through an employee relocation programEmployee relocation can be a stressful event, and we understand. That's why we take great care in setting up a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide remarks on the positive aspects of their property, along with information regarding any new sales or listings in their area that they want considered during our intensive inspection. 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 want to sell your home on your own or with the help of a real estate agent. Apart from a real estate agent, an appraiser has no vested interest in what price the house sells for. Our fees depend on our efforts to finish the appraisal report and not a percentage of the sales price. On a daily basis, we analyze the difference in value items like an additional bathroom or a kitchen remodel can make. And we're experts in knowing how long housesare on the market. So, seeking 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. 
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