Why get an appraisal from Marty L. Dicken, Inc.?Every year, thousands of people in Texas purchase, sell or refinance their home. Most of these transactions consist of a simple line item for an appraisal. Nearly all lenders still need a local expert because the stakes are incredibly high, even though there are a growing number of automated home valuation processes that may seem cheaper than an appraisal. You might think that securing a mortgage is the only basis for getting an appraisal, but there are more instances when the services of a certified, independent real estate professional might be helpful.
Let Marty L. Dicken, Inc. help you appeal your tax assessment in Grayson CountyIf you reside in an area where property values have declined, it's possible you're paying too much in property taxes. An appraisal from Marty L. Dicken, Inc. is your best evidence when building your case. At Marty L. Dicken, Inc.,we can assist you in appealing your tax assessment.
Getting rid of your PMI will lower your mortgage paymentWhen the amount being loaned to the buyer is more than 80% of the actual value of the property, most lenders ask home buyers to buy an supplemental insurance plan. That policy is Private Mortgage Insurance, or PMI. This added payment is often folded into the monthly mortgage payment and is soon forgotten. PMI becomes unnecessary when the leftover balance of the loan - whether through market appreciation or principal pay down - dips below the 80% mark, making this very unfavorable. In fact, the Homeowners Protection Act (HPA) of 1998 was passed by the United States Congress that requires lenders to do away with the PMI installments on most mortgages when the balance is paid down to 78% of the original value.
If you'd like to eliminate PMI, Marty L. Dicken, Inc. will give you a statement regarding the value of your home. The expense of the appraisal can generally be regained in just a few months because you'll no longer be paying the PMI.
Divorce settlement with less stressA divorce is a very daunting ordeal for the parties involved, and it is often further complicated by the hard decision of who gets the home. So both parties are completely aware of the true market value of their house, it's a good idea to get an appraisal from Marty L. Dicken, Inc., regardless of the situation.
If the parties wish to sell the home, they'll have a better idea of what price to set. And if a "buyout" is the chosen option, both parties will feel like they've gotten a fair evaluation.
Accurate and fair estate liquidation with Marty L. Dicken, Inc.Settling an estateThe 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 Market Value for the real estate 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 matters, unlike many 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 significant importance to ensuring disputing parties walk away knowing they've received an honest deal.
Relocating to or from Grayson CountyWe are aware of 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 detailed process, we suggest employees that are moving to provide feedback on the positive features of their property, as well as information regarding any current sales or listings in their area that they want considered.
Let Marty L. Dicken, Inc. assist you in selling your home quickly at the right priceWhether you want 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 regarding your asking price. Separate from a real estate agent, an appraiser has no vested interest in what price the house sells for. The price we charge isn't related to the sales price, but rather they rest on our efforts to complete the appraisal.
On a daily basis, we determine the difference in value items like an additional bathroom or a kitchen remodel can make. And we're experts in knowing how long houses are on the market. So, getting 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 for an extended amount of time.