6 Reasons to order an appraisal from CD HilburnEach year, thousands of people in South Carolina purchase, sell or refinance their home. Many of these transactions consist of a simple line item for an appraisal. Nearly all lenders still want a local expert because the stakes are incredibly high, even though there are a multiplying number of automated home valuation methods that may appear more prudent than an appraisal. You might assume that securing a mortgage is the only basis for getting an appraisal, but there are other situations when the services of a licensed, independent real estate professional might be beneficial. 
Challenge your tax assessmentIf you live in an area where the property value has depreciated, it's possible you're paying too much in property taxes. When building your case, an appraisal from us is your best evidence. We can assist you in appealing your tax assessment. Removing PMI for mortgage paymentsWhen the amount being loaned to the homebuyeris more than 80% of the actual value of the home, almost all lenders ask home owners to purchase this extra insurance plan. That policy is Private Mortgage Insurance, or PMI. Seeing that added payment is usually folded into the monthly mortgage payment, it is often forgotten. This is damaging because PMI isn't necessary 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 invoked a law in 1998 (the Homeowners Protection Act of 1998) that requires 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, CD Hilburn can provide you with a statement regarding the value of your home. The price you paid for the appraisal can usually be offset in little time because you'll no longer be paying the PMI. Order an appraisal from CD Hilburn Order onlineDivorce settlement with fewer hang-upsA divorce is an especially traumatic event for the parties involved, and it is often more complicated by the troublesome decision of who gets the property. It's a good idea to get an appraisal from CD Hilburn so both parties are completely aware of the true market value of their house, regardless of the situation. The parties will have a better idea 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. Ascertain a fair and accurate valuation for estate liquidationLosing a loved one is a difficult 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. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, ensuring the fullest degree of discretion. Unlike wealthier individuals, most Americans do not have dedicated estate planners or executors to handle these affairs. And since a home or other property often makes up an uneven share of the total estate value, knowing the true worth of the real estate at hand is of significant importance to ensuring disputing parties walk away knowing they've received a fair deal. Relocate to or from Horry County through an employee relocation programWe understand the stress associated with an employee relocation. That being said, 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 input on the positive aspects of their property, along with information about any new sales or listings in their area that they want considered. Sell your home quickly — at an accurate priceWhether you decide to sell your home on your own or with the help of a real estate agent, a professional appraisal can help you make a more informed decision when determining your asking price. 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 not a percentage of the sales price. On a daily basis, we determine the difference in value items like an additional bathroom or a kitchen remodel can make. Getting 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 homes are one the market. 
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