Reasons to order an appraisal from Robert L. Huddlestun Appraisals and Consulting

Thousands of people in Indiana purchase, sell or refinance their home every year. Many of these transactions involve 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 multiplying number of automated home valuation processes that may appear more practical than an appraisal. You might believe that getting a mortgage is the only basis for getting an appraisal, but there are additional situations when the services of a licensed, independent real estate professional might be beneficial.


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Dispute your tax assessment in St Joseph County

It's quite possible you're paying too much in property taxes if you reside in an area where property values have depreciated. Property taxes are based upon a past assessment of your house, so if values have declined in your area, you can appeal your assessment and save money. When building your case, an appraisal from Robert L. Huddlestun Appraisals and Consulting is your best evidence. At Robert L. Huddlestun Appraisals and Consulting, we're qualified to assist you in disputing your tax assessment.

Robert L. Huddlestun Appraisals and Consulting can help you eliminate PMI to lower your mortgage payment

When the amount being loaned to the homebuyer is more than 80% of the actual value of the home, many lenders ask home buyers to take out an additional insurance policy. That policy is Private Mortgage Insurance, or PMI. This extra payment is often folded into the monthly mortgage payment and is quickly forgotten. This is unfortunate because PMI isn't required when the leftover balance of the loan - whether through market appreciation or principal pay down - goes below the 80% mark. In fact, the United States Congress invoked a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to dismiss the PMI payments when the loan-to-value ratio conditions have been met.

Robert L. Huddlestun Appraisals and Consulting will give you a statement regarding the value of your home, and the expense of the appraisal can generally be recovered in just a few months because you'll no longer be paying the PMI.

Divorce settlement with less stress

A divorce is often complicated by the challenging decision of who gets the home, and it can be an especially heartbreaking event for both parties. So both parties are fully aware of the true market value of their house, it's a good idea to order an appraisal from Robert L. Huddlestun Appraisals and Consulting, regardless of the situation.

The parties will have a a good 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 gotten a fair assessment.

Accurate and fair estate liquidation with help from Robert L. Huddlestun Appraisals and ConsultingSettling an estate

Losing 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 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 take care of these affairs. And seeing that a home or other property often makes up a disproportionate share of the total estate value, understanding the absolute value of the real estate at hand is of essential importance to ensuring disputing parties leave knowing they've gotten a fair deal.

Robert L. Huddlestun Appraisals and Consulting can help you with relocating to or from St Joseph County

Employee relocation can be a stressful event. We know where you're coming from! That being said, we take great care in establishing an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide feedback on the positive characteristics of their property, as well as information about any new sales or listings in their area that they want considered during our thorough process.

Let Robert L. Huddlestun Appraisals and Consulting help you sell your home quickly at the right price

A professional appraisal can help you make a better educated decision regarding your asking price, whether you want to sell your home on your own or use the assistance of a real estate agent. With much different interests than a real estate agent, an appraiser has no vested interest in what amount the house sells for. The price we charge isn't contingent upon the value we report, but rather they are calculated on our efforts to finish the appraisal.

We examine 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 houses stay on the market. So, getting a professional appraisal is a reliable way to determine 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 an unnecessarily long time.