Why you should order an appraisal

Thousands of people in Georgia purchase, sell or refinance their home every month. A lot of these transactions consist of a simple line item for an appraisal. And even though there are a multiplying number of automated home valuation processes that may seem less expensive than an appraisal, almost all lenders still want a local expert because the stakes are incredibly high. You might think that getting a mortgage is the only reason to get an appraisal, but there are other times when the services of a licensed, independent real estate professional might be helpful.


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Appeal your tax assessment in Gwinnett County

If you reside in an area where the value of property has declined, it's possible you're paying too much in property taxes. An appraisal from MICHELLE R. CARTER is your best evidence when building your case. At MICHELLE R. CARTER,we can assist you in challenging your tax assessment.

PMI removal will lower your mortgage payment

Private Mortgage Insurance, or PMI, is a supplemental insurance plan that many lenders ask homebuyers to purchase when the amount being loaned to the homebuyer is more than 80% of the actual value of the real estate. Oftentimes, this added payment is lumped into the monthly mortgage payment and is quickly forgotten. PMI is no longer required when the remainder 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 implemented by the United States Congress that requires lenders to eliminate the PMI payments on most mortgages when the balance is paid down to 78% of the original value.

If you'd like to get rid of PMI, MICHELLE R. CARTER will provide you with a statement regarding the value of your home. The cost of the home valuation can usually be recovered in little time because you'll no longer be paying the PMI.

Divorce settlement with less stress

A divorce can be an especially traumatic experience for both parties, and it is often even more complicated by the difficult decision of who keeps the home. So both parties are completely aware of the true market value of their property, it's a good idea to get an appraisal from MICHELLE R. CARTER, regardless of the situation.

The parties will have a better 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 received a fair assessment.

Fair and accurate estate liquidation with help from MICHELLE R. CARTERSettling an estate

The loss of a loved one is a painful time in life, and settling an estate from a death, or probate, often calls for 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, ensuring the highest degree of discretion.

Most Americans don't have dedicated estate planners or executors to manage these affairs, unlike many wealthy individuals. And seeing that a home or other property often makes up an unequal share of the total estate value, knowing the certain value of the real estate at hand is of vital importance to ensuring disputing parties leave knowing they've gotten an honest deal.

MICHELLE R. CARTER can help you with relocating to or from Gwinnett County

Moving due to a job change can be a more than just an inconvenience, and we understand. That's why we take great care in establishing a convenient appointment time for the appraisal inspection. During our intensive process, we encourage relocating employees to provide remarks on the positive aspects of their property, as well as information regarding any new sales or listings in their neighborhood that they want considered.

Let MICHELLE R. CARTER help you sell your home quickly at the right price

Whether you want to sell your home on your own or with the help 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. The price we charge isn't related to the sales price, but rather they depend on our efforts to complete the appraisal.

We determine 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 properties stay on the market. So, seeking a professional appraisal is a trusted way to decide 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 for an extended amount of time.