Let Gonzalez Appraisal Group handle your appraisal needsTo many, an appraisal just looks like another fee in the long list of items for a home sale or refinance. Most lenders still call in a local expert because the stakes are so high, even though there are a growing number of automated home valuation processes that may appear less expensive than an appraisal. You might think that securing a mortgage is the only reason to get an appraisal, but there are more situations when the services of a licensed, independent real estate professional could come in handy. 
Appeal your tax assessmentIf you reside in an area where the property value has declined, it's possible you're paying too much in property taxes. An appraisal from Gonzalez Appraisal Group is your best evidence when building your case. We're equipped to assist you in disputing your tax assessment. PMI removal to reduce your mortgage paymentWhen the amount being loaned to the buyeris more than 80% of the actual value of the real estate, many lenders ask homebuyers to take out this supplemental insurance plan. That policy is Private Mortgage Insurance, or PMI. Seeing that extra payment is usually lumped into the monthly mortgage payment, it is often forgotten. This is unfortunate because PMI is no longer required when the remaining balance of the loan - whether through market appreciation or principal pay down - decreases below the 80% mark. In fact, the United States Congress implemented a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to eliminate the PMI installments when the loan-to-value ratio conditions have been met. Gonzalez Appraisal Group can produce a statement regarding the value of your home, and the cost of the appraisal can generally be regained in little time because you'll no longer be paying the PMI. Order an appraisal from Gonzalez Appraisal Group Order todaySettle a divorce with less stressA divorce is often complicated by the difficult decision of who maintains the home, and it can be a very daunting event for both parties. It's a good idea to order an appraisal from Gonzalez Appraisal Group so both parties are completely aware of the true market value of their house, regardless of the situation. The parties will have a clearer picture 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 assessment. Accurate and fair estate liquidationThe loss of a loved one is a difficult 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 guarantee the highest degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP). Unlike wealthy individuals, most Americans don't have dedicated estate planners or executors to take care of these matters. A home or other property often makes up an unequal 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. Relocate to or from Guaynabo County for workEmployee relocation is a stressful event, and we understand. That being said, we take great care in setting up an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide remarks on the positive characteristics of their property, along with information about any recent sales or listings in their area that they want considered during our intensive inspection. Sell your home promptly — at an accurate priceWhether you decide to sell your home on your own or use the assistance of a real estate agent, a professional appraisal can help you make a more informed decision when determining your asking price. Unlike a real estate agent, an appraiser has no vested interest in what amount the house sells for. Our fees aren't a percentage of the sales price, but rather they rest on our efforts to complete the appraisal report. We determine the difference in value items like an additional bathroom or a kitchen remodel can make on a daily basis. And we're experts in knowing how long homesare on the market. So, seeking 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. 
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