Let Phoenix Valuations, LLC handle your appraisal needs

Thousands of people in Arizona buy, sell or refinance their home each month. Most of these transactions involve a simple line item for an appraisal. Practically all lenders still call in a local expert because the stakes are incredibly high, even though there are a growing number of automated home valuation systems that might seem more prudent than an appraisal. You might believe that obtaining a mortgage is the only reason to acquire an appraisal, but there are more instances when the services of a certified, independent real estate professional could be beneficial.

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Dispute your tax assessment in Maricopa County

It's possible you're paying too much in property taxes if you live in an area where property values have declined. Ad Valorem taxes are based upon a past assessment of your real estate, so if prices are less than what they used to be in your neighborhood, you can appeal your assessment and save money. An appraisal from Phoenix Valuations, LLC is your best evidence when building your case. At Phoenix Valuations, LLC, we're capable of assisting you in appealing your tax assessment.

Eliminating PMI for mortgage payments

Private Mortgage Insurance, or PMI, is a supplemental insurance policy that nearly all lenders ask homeowners to buy when the amount being loaned to the home owner is more than 80% of the actual value of the home. Very often, this additional payment is bundled into the monthly mortgage payment and is quickly forgotten. This is damaging because PMI isn't required when the leftover balance of the loan - whether through market appreciation or principal pay down - goes below the 80% level. In fact, the Homeowners Protection Act (HPA) of 1998 was invoked by the United States Congress requiring lenders to eliminate the PMI payments when the loan-to-value ratio conditions have been met.

If you'd like to eliminate PMI, Phoenix Valuations, LLC can provide you with a statement regarding the value of your home. The expense of the home valuation can often be regained in a short amount of time because you'll no longer be paying the PMI.

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Get a fair valuation on a home for divorce settlements

A divorce is a particularly horrible event for the parties involved, and it is often further complicated by the challenging decision of who maintains the home. So both parties are fully aware of the true market value of their home, it's a good idea to order an appraisal from Phoenix Valuations, LLC, regardless of the circumstances.

If the parties wish to sell the home, they'll have a better idea of what price to set. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've gotten a fair assessment.

Accurate and fair estate liquidation

Losing a loved one is a painful 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. We ensure the utmost degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).

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 a disproportionate share of the total estate value, so knowing the true worth of the real estate at hand is of essential importance to ensuring disputing parties leave knowing they've received an honest deal.

Move to or from Maricopa County through an employee relocation program

Employee relocation can be a stressful event, and we understand. We take great care in organizing an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide input on the positive attributes of their property, along with information about any recent sales or listings in their area that they want considered during our thorough inspection.

Close on your home quickly — for an accurate price

A professional appraisal can help you make a more informed decision regarding your selling price, whether you choose to sell your home on your own or with the help of a real estate agent. Apart from a real estate agent, an appraiser has no vested interest in what price the house sells for. Our fees depend on our efforts to complete the appraisal report and and aren't related to the sales price.

On a daily basis, we examine the difference in value things like an extra bathroom or a kitchen remodel can make. And we're experts in knowing how long homesare on the market. So, obtaining a professional appraisal is a trusted 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 Phoenix Valuations, LLC help you sell your home quickly at the right price