Reasons to order an appraisalTo a lot of people, an appraisal is simply another fee in the long list of items for a home purchase or refinance. Even though there are a developing number of automated home valuation processes that may seem cheaper than an appraisal, practically all lenders still call for a local expert because the stakes are very high. You might think that getting a mortgage is the only reason to acquire an appraisal, but there are more situations when the services of a certified, independent real estate professional might be beneficial. 
Dispute your tax assessment in Broward CountyIf you live in an area where property values have 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 challenging your tax assessment. PMI removal to lower your mortgage paymentPrivate Mortgage Insurance, or PMI, is an added insurance plan that most lenders ask home owners to purchase when the amount being loaned to the homebuyer is more than 80% of the actual value of the real estate. This additional payment is often folded into the monthly mortgage payment and is soon forgotten. This is bad because PMI isn't required when the remaining balance of the loan - whether through market appreciation or principal pay down - goes below the 80% mark. In fact, the Homeowners Protection Act (HPA) of 1998 was implemented by the United States Congress that requires lenders to do away with the PMI installments when the loan-to-value ratio conditions have been met. Ruffino Appraisal Group, LLC. will give you a statement regarding the value of your home, and the price you paid for the appraisal can generally be regained in just a few months because you'll no longer be paying the PMI. Order an appraisal from Ruffino Appraisal Group, LLC. Order todayDivorce settlement with fewer hang-upsA divorce is often complicated by the hard decision of who gets the home, and it can be a particularly horrible experience for both parties. It's a good idea to order an appraisal from Ruffino Appraisal Group, LLC. so both parties are entirely aware of the true market value of their home, regardless of the situation. The parties will have a better idea of what price to set, if they need 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. Fair and accurate estate liquidationThe loss of 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. We guarantee the fullest degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP). Unlike many wealthy individuals, most Americans don't have dedicated estate planners or executors to manage these matters. A home or other property often makes up an unequal share of the total estate value, so knowing the true worth 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 Broward County for workWe are familiar with the stress involved with an employee relocation. That being said, we take great care in organizing an accommodating appointment time for the appraisal inspection. During our thorough inspection, we recommend relocating employees to provide remarks on the positive characteristics of their property, as well as information about any new sales or listings in their area that they want considered. Close on your home promptly — at the right priceA professional appraisal can help you make a more informed decision when determining your asking price, whether you want 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, apart from real estate agents. Our fees depend on our efforts to finish the appraisal report and and aren't related to the sales price. We determine the difference in value things like an additional bathroom or a kitchen remodel can make on a daily basis. And we're experts in knowing how long homesstay 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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