Let Ruffino Appraisal Group, LLC. handle your appraisal needsThousands of people in Florida buy, sell or refinance their home each year. Most of these transactions consist of a simple line item for an appraisal. And while there are a growing number of automated home valuation methods that may appear less expensive than an appraisal, the majority of lenders still want a local expert because the stakes are incredibly high. You might assume that obtaining a mortgage is the only reason to get an appraisal, but there are additional instances when the services of a certified, independent real estate professional might come in handy. 
Challenge your tax assessmentIf you reside in an area where the property value has declined, it's possible you're paying too much in property taxes. When building your case, an appraisal from us is your best evidence. We're capable of assisting you in disputing your tax assessment. PMI removal to reduce your mortgage paymentPrivate Mortgage Insurance, or PMI, is an added insurance policy that most lenders ask home owners to buy when the amount being loaned to the home owner 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. PMI isn't necessary when the remaining balance of the loan - whether through market appreciation or principal pay down - decreases below the 80% level, making this very unfortunate. In fact, the Homeowners Protection Act (HPA) of 1998 was implemented by the United States Congress that requires lenders to eliminate the PMI installments when the loan-to-value ratio conditions have been met. If you'd like to do away with PMI, Ruffino Appraisal Group, LLC. will produce a statement regarding the value of your home. 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 onlineGet a clear valuation on a home take make a divorce settlement less stressfulA divorce is often complicated by the strenuous decision of who gets the house, and it can be a very horrible experience for both parties. Regardless of the circumstances, it's a good idea to order an appraisal from Ruffino Appraisal Group, LLC. so both parties are completely aware of the true market value of their home. If the parties need to sell the home, they'll have a clearer picture of what price to set. 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 requires an appraisal to establish Fair Market Value for the residential property involved. We ensure the maximum 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 handle these affairs, unlike wealthy individuals. A home or other property often makes up a disproportionate share of the total estate value, so understanding 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. Relocate to or from Broward County through an employee relocation programWe know the stress involved with an employee relocation. That being said, we take great care in organizing a convenient appointment time for the appraisal inspection. During our intensive inspection, we recommend relocating employees to provide remarks on the positive attributes of their property, along with information about any new sales or listings in their neighborhood that they want considered. Close on your home quickly — for 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 better educated decision when determining your selling price. An appraiser has no vested interest in what price the house sells for, unlike real estate agents. Our fees are based on our efforts to complete the appraisal report and and aren't related to 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 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, because we're experts in knowing how long properties are one the market. 
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