Let C L Harper & Associates handle your appraisal needsTo a lot of people, an appraisal just looks like a line item in the long list of items for a home purchase or refinance. And even though there are a developing number of automated home valuation methods that might appear more practical than an appraisal, practically all lenders still call for a local expert because the stakes are incredibly high. Is securing a mortgage the only basis for getting an appraisal? Are there other instances when the services of a certified, independent real estate professional might come in handy? You bet there are. 
Dispute your tax assessment in Nueces CountyIf you live in an area where the value of property has declined, it's possible you're paying too much in property taxes. An appraisal from C L Harper & Associates is your best evidence when building your case. We can assist you in challenging your tax assessment. Eliminating PMI for mortgage paymentsWhen the amount being loaned to the homeowneris more than 80% of the actual value of the home, many lenders ask homeowners to purchase this supplemental insurance plan. That policy is Private Mortgage Insurance, or PMI. Most often, this additional payment is bundled into the monthly mortgage payment and is promptly forgotten. PMI becomes unnecessary when the leftover balance of the loan - whether through market appreciation or principal pay down - dips below the 80% mark, making this very unfortunate. In fact, the United States Congress passed a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to do away with the PMI payments when the loan-to-value ratio conditions have been met. C L Harper & Associates can give you a statement regarding the value of your home, and the price you paid for the home valuation can usually be regained in a short amount of time because you'll no longer be paying the PMI. Get your appraisal from C L Harper & Associates Order todayGet a clear valuation on a home for divorce settlementsA divorce is often complicated by the challenging decision of who gets the house, and it can be a very traumatic event for both parties. So both parties are completely aware of the true market value of their home, it's a good idea to get an appraisal from C L Harper & Associates, regardless of the circumstances. If the parties need to sell the home, they'll have a a good idea of what price to set. And if a "buyout" is the chosen option, both parties will feel like they've gotten a fair assessment. Ascertain a fair and accurate valuation for estate liquidationThe loss of 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 guarantee the fullest degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP). Unlike wealthier individuals, most Americans don't have dedicated estate planners or executors to handle these affairs. 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 leave knowing they've received a fair deal. Relocate to or from Nueces County for workEmployee relocation is a stressful event, and we understand. That's why we take great care in establishing a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide remarks on the positive aspects of their property, along with information about any recent sales or listings in their neighborhood that they want considered during our detailed inspection. Sell your home quickly — for an accurate priceWhether you want 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 selling price. Apart from a real estate agent, an appraiser has no vested interest in what amount the house sells for. Our fees aren't a percentage of the sales price, but rather they are based on our efforts to complete the appraisal report. We analyze the difference in value items like an extra bathroom or a kitchen remodel can make on a daily basis. Seeking 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 properties stay on the market. 
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