Why you should order an appraisal from T.R. Moore & Associates, Inc.

To many, an appraisal just looks like another cost on the settlement sheet for a home sale or refinance. And even though there are a growing number of automated home valuation processes that might seem more prudent than an appraisal, most lenders still call in a local expert because the stakes are so high. But is getting a mortgage the only reason to get an appraisal? Are there additional cases when the services of a licensed, independent real estate professional could come in handy? Of course there are.


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Challenge your tax assessment in Maricopa County

If you reside in an area where property values have depreciated, it's possible you're paying too much in property taxes. An appraisal from T.R. Moore & Associates, Inc. is your best evidence when building your case. We're capable of assisting you in challenging your tax assessment.

How can you do away with PMI to lower your mortgage payment?

Private Mortgage Insurance, or PMI, is an extra insurance policy that many lenders ask homeowners to purchase when the amount being loaned to the home owner is more than 80% of the actual value of the real estate. Since the added payment is usually bundled into the monthly mortgage payment, it is often forgotten. This is damaging because PMI isn't necessary when the remaining balance of the loan - whether through market appreciation or principal pay down - dips below the 80% mark. In fact, the United States Congress invoked 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.

T.R. Moore & Associates, Inc. will give you a statement regarding the value of your home, and the expense of the appraisal can usually be regained in a short amount of time because you'll no longer be paying the PMI.

An appraisal from T.R. Moore & Associates, Inc. will help you settle a divorce with less stress

A divorce can be an especially traumatic event for both parties, and it is often further complicated by the hard decision of who gets the property. It's a good idea to get an appraisal from T.R. Moore & Associates, Inc. so both parties are completely aware of the true market value of their house, regardless of the circumstances.

The parties will have a better idea of what price to set, if they want to sell the home. And if a "buyout" is the chosen option, both parties will feel like they've received a fair assessment.

Trustworthy estate liquidation

The death 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 Market Value for the real estate involved. We ensure 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 many wealthy individuals, most Americans don't have dedicated estate planners or executors to handle these matters. A home or other property often makes up a disproportionate share of the total estate value, so knowing the true value of the real estate at hand is of vital importance to ensuring disputing parties walk away knowing they've gotten an honest deal.

Relocating to or from Maricopa County?

Moving due to a job change can be a more than just an inconvenience. We know where you're coming from. That's why we take great care in setting up a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide input on the positive features of their property, along with information about any new sales or listings in their neighborhood that they want considered during our thorough process.

Don't sell out short or let your home stay on the market too long.

A professional appraisal can help you make a better educated decision when determining your selling price, whether you want to sell your home on your own or use the assistance of a real estate agent. An appraiser has no vested interest in what price the house sells for, which is different than the interest of real estate agents. Our fees aren't contingent upon the value we come up with, but rather they are based on our efforts to complete the appraisal.

On a daily basis, we examine the difference in value things like an extra bathroom or a kitchen remodel can make. Getting a professional appraisal is a trusted way to decide 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 - because we're experts in knowing how long homes are one the market.