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Let Frigoletto & Associates Inc. take care of your appraisal needs

To a lot of us, an appraisal is simply another cost on the settlement sheet for a mortgage or refinance. And while there are an increasing number of automated home valuation methods that might seem cheaper than an appraisal, most lenders still call for a local expert because the stakes are incredibly high. You might assume that getting a mortgage is the only basis for getting an appraisal, but there are other times when the services of a licensed, independent real estate professional might be helpful.

Let Frigoletto & Associates Inc. assist you in lowering your mortgage payment

Dispute your tax assessment

If you live in an area where the value of property has depreciated, it's possible you're paying too much in property taxes. An appraisal from Frigoletto & Associates Inc. is your best evidence when building your case. At Frigoletto & Associates Inc., we're capable of assisting you in challenging your tax assessment.

PMI removal to lower a mortgage payment

When the amount being loaned to the homeowneris more than 80% of the actual value of the property, many lenders ask homebuyers to purchase this additional insurance plan. 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 is unnecessary when the remainder of the loan - whether through market appreciation or principal pay down - dips below the 80% mark, making this very unfavorable. In fact, the United States Congress implemented a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to do away with the PMI installments when the loan-to-value ratio conditions have been met.

If you'd like to get rid of PMI, Frigoletto & Associates Inc. can produce a statement regarding the value of your home. The price you paid for the home valuation can often be regained in just a few months because you'll no longer be paying the PMI.

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Settle a divorce with fewer hang-ups

A divorce is a very horrible event for the parties involved, and it is often more complicated by the troublesome decision of who keeps the property. Regardless of the circumstances, it's a good idea to get an appraisal from Frigoletto & Associates Inc. so both parties are entirely aware of the true market value of their property.

The parties will have a better idea 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 received a fair evaluation.

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

Most Americans do not have dedicated estate planners or executors to take care of these issues, unlike many wealthy individuals. 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 gotten a fair deal.

Relocate to or from Worcester County for work

Employee relocation can be a stressful event, and we understand. We take great care in establishing a convenient appointment time for the appraisal inspection. During our detailed inspection, we encourage relocating employees to provide remarks on the positive features of their property, along with information about any current sales or listings in their neighborhood that they want considered.

Sell your home quickly — for the right price

Whether 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 are based on our efforts to finish the appraisal report and and aren't related to the sales price.

We analyze the difference in value items like an extra bathroom or a kitchen remodel can make on a daily basis. Obtaining a professional appraisal is a trusted way to decide 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, because we're experts in knowing how long homes are one the market.

Let Frigoletto & Associates Inc. assist you in selling your home quickly at the right price