Let DRB Appraisal take care of your appraisal needs

To a lot of people, an appraisal is simply another fee in the long list of items for a mortgage or refinance. And even though there are a multiplying number of automated home valuation processes that might appear to be less expensive than an appraisal, most lenders still want a local expert because the stakes are very high. Is securing a mortgage the only reason to acquire an appraisal? Are there other times when the services of a licensed, independent real estate professional could be helpful? Of course there are.

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Challenge your tax assessment in Blackford County

If you live in an area where the property value has declined, it's possible you're paying too much in property taxes. When building your case, an appraisal from us is your best evidence. At DRB Appraisal, we're qualified to assist you in appealing your tax assessment.

Getting rid of your PMI for mortgage payments

When the amount being loaned to the buyeris more than 80% of the actual value of the home, most lenders ask buyers to purchase this additional insurance plan. That policy is Private Mortgage Insurance, or PMI. Very often, this extra payment is bundled into the monthly mortgage payment and is promptly forgotten. PMI is unnecessary 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 passed by the United States Congress requiring lenders to eliminate the PMI installments when the loan-to-value ratio conditions have been met.

DRB Appraisal will produce a statement regarding the value of your home, and the expense of the home valuation can usually be recovered in little time because you'll no longer be paying the PMI.

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Divorce settlement with fewer hang-ups

A divorce can be a particularly traumatic experience for both parties, and it is often more complicated by the hard decision of who maintains the house. So both parties are entirely aware of the true market value of their home, it's a good idea to get an appraisal from DRB Appraisal, regardless of the situation.

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 gotten a fair evaluation.

Determine a fair and accurate valuation for estate liquidation

The death of a loved one is a painful 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. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, ensuring the highest degree of discretion.

Most Americans do not have dedicated estate planners or executors to take care of these matters, unlike wealthy individuals. A home or other property often makes up an unequal 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.

Move to or from Blackford County through an employee relocation program

We are aware of the stress associated with an employee relocation. That being said, we take great care in setting up an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide feedback on the positive features of their property, as well as information about any current sales or listings in their neighborhood that they want considered during our intensive inspection.

Sell your home promptly — for the right price

Whether you decide to sell your home on your own or with the help of a real estate agent, a professional appraisal can help you make a better educated decision when determining your asking price. An appraiser has no vested interest in what price the house sells for, unlike real estate agents. Our fees are calculated on our efforts to complete the appraisal report and and aren't related to the sales price.

We determine the difference in value things like an additional bathroom or a kitchen remodel can make on a daily basis. And we're experts in knowing how long homesare on the market. So, seeking a professional appraisal is a reliable way to determine what improvements will add value and what an applicable sales price is for your home so you don't come up short or have your house on the market an unnecessarily long time.

Let DRB Appraisal help you sell your home quickly at the right price