Ordering an appraisal from Troy G. MaykoYear after year, thousands of people in Pennsylvania purchase, sell or refinance their home. Many of these transactions involve a simple line item for an appraisal. While there are a growing number of automated home valuation systems that might appear to be more economical than an appraisal, almost all lenders still call in a local expert because the stakes are so high. You might believe that obtaining a mortgage is the only reason you should get an appraisal, but there are more cases when the services of a certified, independent real estate professional might be helpful.
Appeal your tax assessment in Dauphin CountyIf you live in an area where property values have depreciated, it's possible you're paying too much in property taxes. An appraisal is your best evidence when building your case. I am capable of assisting you in disputing your tax assessment.
Troy G. Mayko can help you eliminate PMI to lower your mortgage paymentPrivate Mortgage Insurance, or PMI, is an extra insurance policy that nearly all lenders ask homeowners to purchase when the amount being loaned to the home owner is more than 80% of the actual value of the real estate. Seeing that extra payment is usually lumped into the monthly mortgage payment, it is often forgotten. PMI isn't necessary when the leftover balance of the loan - whether through market appreciation or principal pay down - decreases below the 80% level, making this very unfavorable. In fact, the Homeowners Protection Act (HPA) of 1998 was implemented by the United States Congress that requires lenders to dismiss the PMI installments on most mortgages when the balance is paid down to 78% of the original value.
If you'd like to do away with PMI, I can produce a statement regarding the value of your home. The expense of the home valuation can often be offset in little time because you'll no longer be paying the PMI.
Settling a divorce with less stressA divorce is an especially heartbreaking ordeal for the parties involved, and it is often more complicated by the hard decision of who maintains the property. It's a good idea to get an appraisal so both parties are fully aware of the true market value of their property, regardless of the circumstances.
The parties will have a better idea of what price to set, if they wish to sell the home. And 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 Troy G. Mayko settling an estateThe loss of a loved one is a difficult time in life, and settling an estate from a death, or probate, often calls for an appraisal to establish Market Value for the residential property involved. I guarantee the highest degree of discretion, as I'm 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 manage these issues. And seeing that a home or other property often makes up an uneven share of the total estate value, understanding the certain value of the real estate at hand is of essential importance to ensuring disputing parties leave knowing they've received a fair deal.
Let Troy G. Mayko assist you in relocating to or from Dauphin CountyEmployee relocation can be a more than just an inconvenience. I know where you're coming from! That being said, I take great care in organizing an accommodating appointment time for the appraisal inspection. During my intensive process, I encourage employees that are moving to provide input on the positive attributes of their property, as well as information about any recent sales or listings in their area that they want considered.
Don't sell out short or keep your home on the market too long.A professional appraisal will help you make a more informed decision when determining 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 opinion we render, but rather they are based on my efforts to complete the appraisal.
On a daily basis, I analyze the difference in value things like an additional bathroom or a kitchen remodel can make. I'm an expert in knowing how long houses stay on the market. So, obtaining a professional appraisal is a trusted 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 for an extended amount of time.