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Why you should get an appraisal from Gardner Consulting Services, Inc.

Thousands of people in Florida buy, sell or refinance their home every year. Many of these transactions include a simple line item for an appraisal. Almost all lenders still want a local expert because the stakes are so high, even though there are a multiplying number of automated home valuation processes that may seem more economical than an appraisal. But is securing a mortgage the only reason to get an appraisal? Are there also cases when the services of a licensed, independent real estate professional could be beneficial? You bet.

If you're planning on any transaction where the value of your real estate is a factor, just contact Gardner Consulting Services, Inc.. Just click here.

Dispute your tax assessment in Orange County

If you live in an area where property values have declined, it's possible you're paying too much in property taxes. When building your case, an appraisal from Gardner Consulting Services, Inc. is your best evidence. At Gardner Consulting Services, Inc.,we can assist you in disputing your tax assessment.

Let Gardner Consulting Services, Inc. assist you in lowering your mortgage payment

When the amount being loaned to the home owner is more than 80% of the actual value of the property, most lenders ask home buyers to buy an supplemental insurance policy. That policy is Private Mortgage Insurance, or PMI. Very often, this extra payment is bundled into the monthly mortgage payment and is soon forgotten. This is bad because PMI isn't necessary when the leftover balance of the loan - whether through market appreciation or principal pay down - dips below the 80% level. In fact, the United States Congress invoked a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to dismiss the PMI installments when the loan-to-value ratio conditions have been met.

If you'd like to do away with PMI, Gardner Consulting Services, Inc. will give you a statement regarding the value of your home. The price you paid for the appraisal can often be offset in a short amount of time because you'll no longer be paying the PMI.

Divorce settlement with less stress

A divorce is a particularly daunting experience for the parties involved, and it is often more complicated by the burdensome decision of who maintains the property. So both parties are entirely aware of the true market value of their home, it's a good idea to order an appraisal from Gardner Consulting Services, Inc., regardless of the situation.

The parties will have a clearer picture 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 received a fair assessment.

Settling an estate with peace of mind

The loss of a loved one is a hard time in life, and settling an estate from a death, or probate, often entails an appraisal to establish Market Value for the residential property involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, guaranteeing the highest degree of discretion.

Unlike wealthy individuals, most Americans don't have dedicated estate planners or executors to manage these affairs. And since a home or other property often makes up an unequal share of the total estate value, knowing the precise value of the real estate at hand is of essential importance to ensuring disputing parties walk away knowing they've gotten an honest deal.

Gardner Consulting Services, Inc. can help you with relocating to or from Orange County

We are familiar with the headaches involved with an employee relocation. That's why we take great care in establishing an accommodating appointment time for the appraisal inspection. During our thorough process, we suggest relocating employees to provide feedback on the positive aspects of their property, as well as information regarding any new sales or listings in their neighborhood that they want considered.

Sell your home quickly at 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 better educated decision regarding your asking price. An appraiser has no vested interest in what price the house sells for, unlike real estate agents. Our fees are derived from our efforts to finish the appraisal report and not a percentage of the sales price.

On a daily basis, we examine the difference in value items 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 are one the market.