Why you should get an appraisal from Di Cicco & AssociatesTo many, an appraisal just looks like another cost in the long list of items for a home purchase or refinance. Most lenders still want a local expert because the stakes are incredibly high, even though there are a developing number of automated home valuation processes that may appear to be more cost-effective than an appraisal. You might assume that getting a mortgage is the only reason to get an appraisal, but there are other cases when the services of a certified, independent real estate professional could be beneficial. 
Contest your tax assessmentIf you are in an area where the value of property has declined, it's possible you're paying too much in property taxes. An appraisal from Di Cicco & Associates is your best evidence when building your case. At Di Cicco & Associates, we're qualified to assist you in appealing your tax assessment. Remove PMI to lower your mortgage paymentWhen the amount being loaned to the home owneris more than 80% of the actual value of the home, most lenders ask homeowners to buy this supplemental insurance policy. That policy is Private Mortgage Insurance, or PMI. Seeing that extra payment is usually bundled into the monthly mortgage payment, it is often forgotten. PMI isn't required when the leftover balance of the loan - whether through market appreciation or principal pay down - goes below the 80% level, making this very unfortunate. In fact, the Homeowners Protection Act (HPA) of 1998 was passed by the United States Congress that requires lenders to eliminate the PMI payments when the loan-to-value ratio conditions have been met. Di Cicco & Associates will provide you with a statement regarding the value of your home, and the cost of the appraisal can often be offset in just a few months because you'll no longer be paying the PMI. Order your appraisal from Di Cicco & Associates today Order onlineGet a clear valuation on a home for divorce settlementsA divorce can be a particularly traumatic event for both parties, and it is often further complicated by the hard decision of who maintains the home. It's a good idea to order an appraisal from Di Cicco & Associates so both parties are entirely aware of the true market value of their house, 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 gotten a fair assessment. Determine a fair and accurate valuation for estate liquidationThe death of a loved one is a hard time in life, and settling an estate from a death, or probate, often calls for an appraisal to establish Fair Market Value for the real estate involved. We guarantee the maximum 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 do not have dedicated estate planners or executors to take care of these matters. And seeing that a home or other property often makes up an unequal share of the total estate value, understanding the true worth of the real estate at hand is of vital importance to ensuring disputing parties walk away knowing they've gotten an honest deal. Move to or from Santa Rosa County for workWe are aware of the stress involved with an employee relocation. That being said, we take great care in establishing a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide input on the positive features of their property, as well as information about any new sales or listings in their neighborhood that they want considered during our detailed inspection. Sell your home promptly — at the right priceA professional appraisal can help you make a better educated decision when determining your asking price, whether you want to sell your home on your own or with the help of a real estate agent. Unlike a real estate agent, an appraiser has no vested interest in what price the house sells for. Our fees aren't related to the sales price, but rather they rest on our efforts to complete the appraisal report. On a daily basis, we determine the difference in value things like an additional bathroom or a kitchen remodel can make. Getting 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 an unnecessarily long time, because we're experts in knowing how long properties stay on the market. 
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