Reasons someone would need Gregory James Company, Inc.

To a lot of people, an appraisal just looks like another fee on the break-sheet for a home sale or refinance. Almost all lenders still call in a local expert because the stakes are very high, even though there are an increasing number of automated home valuation methods that may appear to be less expensive than an appraisal. You might believe that obtaining a mortgage is the only reason to get an appraisal, but there are other cases when the services of a licensed, independent real estate professional might come in handy.


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Appeal your tax assessment in Polk County

If you live in an area where the value of property has declined, it's possible you're paying too much in property taxes. An appraisal from Gregory James Company, Inc. is your best evidence when building your case. We're equipped to assist you in appealing your tax assessment.

Let Gregory James Company, Inc. help you get rid of PMI to lower your mortgage payment

When the amount being loaned to the homeowner is more than 80% of the actual value of the real estate, most lenders ask homebuyers to purchase an added insurance policy. That policy is Private Mortgage Insurance, or PMI. Most often, this additional payment is lumped into the monthly mortgage payment and is soon forgotten. PMI is unnecessary when the leftover balance of the loan - whether through market appreciation or principal pay down - falls below the 80% level, making this very unfavorable. In fact, the Homeowners Protection Act (HPA) of 1998 was approved 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.

Gregory James Company, Inc. will produce a statement regarding the value of your home, and the expense of the home valuation can often be recovered in a short amount of time because you'll no longer be paying the PMI.

Settling a divorce with less stress

A divorce can be an especially traumatic experience for both parties, and it is often even more complicated by the challenging decision of who maintains the property. So both parties are fully aware of the true market value of their home, it's a good idea to get an appraisal from Gregory James Company, Inc., regardless of the circumstances.

The parties will have a a good idea of what price to set, if they wish 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.

Settling an estate with peace of mind

The death of a loved one is a difficult time in life, and settling an estate from a death, or probate, often entails an appraisal to establish 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 many wealthy individuals, most Americans don't have dedicated estate planners or executors to manage these issues. And since 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 essential importance to ensuring disputing parties leave knowing they've gotten a fair deal.

Gregory James Company, Inc. can help you with relocating to or from Polk County

Moving due to a job change can be a more than just an inconvenience, and we understand. That being said, we take great care in establishing a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide feedback on the positive aspects of their property, as well as information about any new sales or listings in their neighborhood 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.

Whether you want to sell your home on your own or use the assistance of a real estate agent, a professional appraisal will help you make a more informed decision regarding your selling price. An appraiser has no vested interest in what price the house sells for, which is different than the interest of real estate agents. Our fees are based on our efforts to perform the appraisal report and not a percentage of the sales price.

On a daily basis, we determine the difference in value items like an extra bathroom or a kitchen remodel can make. And we're experts in knowing how long houses stay on the market. So, seeking a professional appraisal is a trusted 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.

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