Reasons to order an appraisal from Capuano Appraisal Services

To many, an appraisal is simply one more thing on the break-sheet for a mortgage or refinance. Most lenders still need a local expert because the stakes are so high, even though there are an increasing number of automated home valuation systems that might seem more cost-effective than an appraisal. You might believe that obtaining a mortgage is the only reason to get an appraisal, but there are more cases when the services of a licensed, independent real estate professional might come in handy.


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Challenge your tax assessment in Prince William County

If you live in an area where property values have declined, it's possible you're paying too much in property taxes. An appraisal from Capuano Appraisal Services is your best evidence when building your case. At Capuano Appraisal Services, we're equipped to assist you in disputing your tax assessment.

Capuano Appraisal Services can help you do away with PMI to lower your mortgage payment

When the amount being loaned to the homebuyer is more than 80% of the actual value of the real estate, nearly all lenders ask buyers to purchase an added insurance plan. That policy is Private Mortgage Insurance, or PMI. Seeing that additional payment is usually folded into the monthly mortgage payment, it is often forgotten. PMI is unnecessary when the remaining balance of the loan - whether through market appreciation or principal pay down - goes below the 80% level, making this very unfortunate. In fact, the United States Congress invoked a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to dismiss the PMI payments when the loan-to-value ratio conditions have been met.

Capuano Appraisal Services can provide you with a statement regarding the value of your home, and the cost of the home valuation can often be regained in a short amount of time because you'll no longer be paying the PMI.

Settling a divorce with less stress

A divorce can be a particularly traumatic event for both parties, and it is often more complicated by the difficult decision of who gets the property. So both parties are completely aware of the true market value of their home, it's a good idea to order an appraisal from Capuano Appraisal Services, regardless of the situation.

The parties will have a clearer picture 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.

Fair and accurate estate liquidation

Losing a loved one is a difficult time in life, and settling an estate from a death, or probate, often entails an appraisal to establish Fair Market Value for the residential property involved. We guarantee the utmost 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 manage these matters. A home or other property often makes up an uneven share of the total estate value, so understanding the true worth of the real estate at hand is of vital importance to ensuring disputing parties walk away knowing they've received a fair deal.

Capuano Appraisal Services can help you with relocating to or from Prince William County

Employee relocation can be a real pain. We know where you're coming from. We take great care in establishing a convenient appointment time for the appraisal inspection. During our detailed process, we encourage employees that are moving to provide feedback on the positive features of their property, along with information about any recent sales or listings in their area that they want considered.

Let Capuano Appraisal Services assist you in selling your home quickly at the right price

A professional appraisal can help you make a better educated decision when determining your selling price, whether you decide to sell your home on your own or use the assistance of a real estate agent. Separate from a real estate agent, an appraiser has no vested interest in what price the house sells for. Our fees aren't contingent upon the value opinion we render, but rather they are calculated on our efforts to finish the appraisal.

We analyze the difference in value things like an extra bathroom or a kitchen remodel can make on a daily basis. Seeking 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 an unnecessarily long time - because we're experts in knowing how long homes are one the market.