Let Militti Appraisal Service serve your appraisal needs

Thousands of people in Florida purchase, sell or refinance their home every month. A lot of these transactions contain a simple line item for an appraisal. Most lenders still call in a local expert because the stakes are very high, even though there are a developing number of automated home valuation systems that may appear more prudent than an appraisal. Is getting a mortgage the only basis for getting an appraisal? Are there additional times when the services of a licensed, independent real estate professional might come in handy? Of course there are.

Let Militti Appraisal Service assist you in lowering your mortgage payment

Dispute your tax assessment in Bay County

It's probable you're paying too much in property taxes if you reside in an area where property values have depreciated. Ad Valorem taxes are based upon a previous assessment of your house, so if values are less than what they used to be in your neighborhood, you can challenge your assessment and save money. An appraisal from Militti Appraisal Service is your best evidence when building your case. At Militti Appraisal Service, we're equipped to assist you in disputing your tax assessment.

PMI removal to reduce your mortgage payment

When the amount being loaned to the buyeris more than 80% of the actual value of the home, most lenders ask homeowners to purchase this additional insurance plan. That policy is Private Mortgage Insurance, or PMI. Oftentimes, this extra payment is bundled into the monthly mortgage payment and is quickly forgotten. PMI is unnecessary when the leftover balance of the loan - whether through market appreciation or principal pay down - dips below the 80% level, making this very unfavorable. In fact, the Homeowners Protection Act (HPA) of 1998 was invoked by the United States Congress that requires lenders to dismiss the PMI payments when the loan-to-value ratio conditions have been met.

Militti Appraisal Service will give you a statement regarding the value of your home, and the price you paid for the home valuation can often be regained in just a few months because you'll no longer be paying the PMI.

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Get a fair valuation on a home for divorce settlements

A divorce can be a particularly daunting ordeal for both parties, and it is often even more complicated by the hard decision of who maintains 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 Militti Appraisal Service, regardless of the situation.

The parties will have a good 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 received a fair evaluation.

Fair and accurate estate liquidation

The death of a loved one is a painful time in life, and settling an estate from a death, or probate, often requires an appraisal to establish Fair Market Value for the real estate involved. We ensure the highest degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).

Most Americans do not have dedicated estate planners or executors to manage these issues, unlike wealthier individuals. And since a home or other property often makes up a disproportionate share of the total estate value, understanding the true value of the real estate at hand is of vital importance to ensuring disputing parties walk away knowing they've gotten an honest deal.

Relocate to or from Bay County for work

We are familiar with the stress associated with an employee relocation. That being said, we take great care in organizing a convenient appointment time for the appraisal inspection. During our thorough inspection, we encourage relocating employees to provide remarks on the positive attributes of their property, as well as information about any recent sales or listings in their area that they want considered.

Close on your home promptly — at an accurate price

A professional appraisal can help you make a better educated 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, unlike real estate agents. Our fees aren't a percentage of the sales price, but rather they rest on our efforts to complete the appraisal report.

We examine the difference in value items like an extra bathroom or a kitchen remodel can make on a daily basis. And we're experts in knowing how long housesstay on the market. So, seeking a professional appraisal is a reliable 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.

Let Militti Appraisal Service help you sell your home quickly at the right price