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Let Maryann Ostolaza Appraisal Services, Inc. handle your appraisal

Thousands of people in Florida purchase, sell or refinance their home every year. A lot of these transactions contain a simple line item for an appraisal. While there are a developing number of automated home valuation methods that may appear less expensive than an appraisal, almost all lenders still want a local expert because the stakes are very high. You might believe that obtaining a mortgage is the only reason to get an appraisal, but there are other times when the services of a licensed, independent real estate professional could come in handy.

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Let Maryann Ostolaza Appraisal Services, Inc. help you appeal your tax assessment in Collier County

It's possible you're paying too much in property taxes if you reside 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 area, you can appeal your assessment and save money. When building your case, an appraisal from Maryann Ostolaza Appraisal Services, Inc. is your best evidence. At Maryann Ostolaza Appraisal Services, Inc.,we can assist you in challenging your tax assessment.

PMI removal will lower your mortgage payment

Private Mortgage Insurance, or PMI, is an additional insurance plan that many lenders ask home owners to buy when the amount being loaned to the home buyer is more than 80% of the actual value of the property. Since the added payment is usually folded into the monthly mortgage payment, it is often forgotten. This is unfortunate because PMI becomes unnecessary when the leftover balance of the loan - whether through market appreciation or principal pay down - goes below the 80% level. In fact, the United States Congress invoked a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to dismiss the PMI installments when the loan-to-value ratio conditions have been met.

Maryann Ostolaza Appraisal Services, Inc. will give you a statement regarding the value of your home, and the cost of the appraisal can usually be regained in just a few months because you'll no longer be paying the PMI.

Settling a divorce with less stress

A divorce can be an especially traumatic event for both parties, and it is often more complicated by the burdensome decision of who maintains the property. So both parties are fully aware of the true market value of their property, it's a good idea to get an appraisal from Maryann Ostolaza Appraisal Services, Inc., regardless of the circumstances.

If the parties wish to sell the home, they'll have a clearer picture 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.

Fair and accurate estate liquidation with Maryann Ostolaza Appraisal Services, Inc.Settling an estate

Losing a loved one is a hard time in life, and settling an estate from a death, or probate, often calls for an appraisal to establish Market Value for the residential property involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, ensuring the maximum degree of discretion.

Unlike many wealthy individuals, most Americans do not have dedicated estate planners or executors to manage these matters. A home or other property often makes up a disproportionate 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 walk away knowing they've gotten an honest deal.

Let Maryann Ostolaza Appraisal Services, Inc. help you with relocating to or from Collier County

Employee relocation is a stressful event, and we understand. That being said, we take great care in organizing an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide remarks on the positive characteristics of their property, along with information regarding any new sales or listings in their neighborhood that they want considered during our detailed process.

Let Maryann Ostolaza Appraisal Services, Inc. assist you in selling your home quickly at the right price

A professional appraisal will help you make a more informed decision when determining your asking price, whether you decide to sell your home on your own or use the assistance 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 based on our efforts to perform the appraisal report and not a percentage of the sales price.

On a daily basis, we examine the difference in value things like an additional bathroom or a kitchen remodel can make. Seeking a professional appraisal is a trusted way to determine what improvements will add value and what an appropriate 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.