Let Sandra Wiley take care of your appraisal

Thousands of people in Virginia purchase, sell or refinance their home every year. Most of these transactions include a simple line item for an appraisal. While there are an increasing number of automated home valuation systems that may seem cheaper than an appraisal, most lenders still call for a local expert because the stakes are very high. You might assume that obtaining a mortgage is the only reason to get an appraisal, but there are additional cases when the services of a licensed, independent real estate professional might be beneficial.


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Let Sandra Wiley help you dispute your tax assessment in Westmoreland County

If you reside in an area where the value of property has declined, it's possible you're paying too much in property taxes. An appraisal from Sandra Wiley is your best evidence when building your case. At Sandra Wiley, we're equipped to assist you in challenging your tax assessment.

PMI removal will lower your mortgage payment

When the amount being loaned to the buyer is more than 80% of the actual value of the home, nearly all lenders ask homeowners to purchase an additional insurance plan. That policy is Private Mortgage Insurance, or PMI. Oftentimes, this extra payment is folded into the monthly mortgage payment and is promptly forgotten. This is damaging because PMI isn't required when the leftover balance of the loan - whether through market appreciation or principal pay down - falls below the 80% mark. In fact, the Homeowners Protection Act (HPA) of 1998 was approved by the United States Congress requiring lenders to eliminate the PMI payments on most mortgages when the balance is paid down to 78% of the original value.

If you'd like to get rid of PMI, Sandra Wiley will produce a statement regarding the value of your home. The cost of the appraisal can often be regained in just a few months because you'll no longer be paying the PMI.

An appraisal from Sandra Wiley will help you settle a divorce with less stress

A divorce can be a particularly daunting experience for both parties, and it is often even more complicated by the challenging decision of who keeps the house. It's a good idea to get an appraisal from Sandra Wiley so both parties are fully aware of the true market value of their property, regardless of the situation.

If the parties want 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 received a fair assessment.

Trustworthy estate liquidation

The loss of a loved one is a difficult time in life, and settling an estate from a death, or probate, often calls for an appraisal to establish 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).

Most Americans don't have dedicated estate planners or executors to take care of these issues, unlike wealthier individuals. A home or other property often makes up an uneven share of the total estate value, so understanding the true value of the real estate at hand is of essential importance to ensuring disputing parties leave knowing they've received an honest deal.

Let Sandra Wiley help you with relocating to or from Westmoreland County

We know the stress associated with an employee relocation. 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 characteristics of their property, as well as information regarding any recent sales or listings in their area that they want considered during our thorough process.

Selling your home quickly at the right price

A professional appraisal will help you make a more informed decision regarding your selling price, whether you decide to sell your home on your own or with the help of a real estate agent. An appraiser has no vested interest in what amount the house sells for, unlike real estate agents. Our fees are derived from our efforts to perform the appraisal report and not a percentage of the sales price.

We determine the difference in value things like an extra bathroom or a kitchen remodel can make on a daily basis. Obtaining a professional appraisal is a reliable 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 homes stay on the market.