C & S Appraisal TYL INC. in Decatur perform appraisals for a variety of clients

Every year, thousands of people in Georgia purchase, sell or refinance their home. A lot of these transactions involve a simple line item for an appraisal. The majority of lenders still need a local expert because the stakes are very high, even though there are a budding number of automated home valuation processes that may appear cheaper than an appraisal. But is obtaining a mortgage the only reason to acquire an appraisal? Are there additional times when the services of a licensed, independent real estate professional could be beneficial? Of course there are.


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Dispute your tax assessment in Dekalb County

It's probable you're paying too much in property taxes if you live 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. An appraisal from C & S Appraisal TYL INC. is your best evidence when building your case. At C & S Appraisal TYL INC., we're capable of assisting you in appealing your tax assessment.

Let C & S Appraisal TYL INC. help you do away with PMI to lower your mortgage payment

When the amount being loaned to the home buyer is more than 80% of the actual value of the home, almost all lenders ask homebuyers to purchase an supplemental insurance policy. That policy is Private Mortgage Insurance, or PMI. This extra payment is often bundled into the monthly mortgage payment and is soon forgotten. This is damaging because PMI becomes unnecessary when the leftover balance of the loan - whether through market appreciation or principal pay down - goes below the 80% mark. In fact, the Homeowners Protection Act (HPA) of 1998 was passed by the United States Congress that requires lenders to remove the PMI payments when the balance is paid down to 78% of the original value.

C & S Appraisal TYL INC. will provide you with a statement regarding the value of your home, and the expense of the home valuation can generally be offset in little time because you'll no longer be paying the PMI.

Settling a divorce with less stress

A divorce is an especially daunting experience for the parties involved, and it is often more complicated by the challenging decision of who keeps the home. It's a good idea to get an appraisal from C & S Appraisal TYL INC. so both parties are completely aware of the true market value of their property, regardless of the situation.

The parties will have a better idea of what price to set, if they want to sell the home. And if a "buyout" is the chosen option, both parties will feel like they've received a fair assessment.

Settling an estate with peace of mind

The loss 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 Market Value for the real estate involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, ensuring the maximum degree of discretion.

Unlike many wealthy individuals, most Americans do not have dedicated estate planners or executors to take care of these affairs. A home or other property often makes up an uneven 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.

Relocating to or from Dekalb County?

We understand the headaches associated with an employee relocation. That being said, we take great care in setting up a convenient appointment time for the appraisal inspection. During our thorough process, we encourage relocating employees to provide remarks on the positive aspects of their property, as well as information regarding any current sales or listings in their neighborhood that they want considered.

Sell your home quickly at the right price

A professional appraisal will help you make a better educated decision when determining your selling price, whether you decide 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, which is different than the interest of real estate agents. The price we charge isn't contingent upon the value opinion we render, but rather they are calculated on our efforts to finish the appraisal.

On a daily basis, we analyze the difference in value items like an additional bathroom or a kitchen remodel can make. Getting a professional appraisal is a reliable 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 homes are one the market.