Let Sirius Appraisal Services take care of your appraisal needs

To a lot of people, an appraisal just looks like one more thing on the break-sheet for a home purchase or refinance. The majority of lenders still call in a local expert because the stakes are incredibly high, even though there are an increasing number of automated home valuation systems that might appear to be cheaper than an appraisal. Is getting a mortgage the only reason you should get an appraisal? Are there also situations when the services of a licensed, independent real estate professional could be helpful? Of course there are.

Let Sirius Appraisal Services help you lower your mortgage payment

Appeal your tax assessment in Queens County

It's likely you're paying too much in property taxes if you live in an area where property values have depreciated. Property taxes are determined by a previous assessment of your real estate, so if values are less than what they used to be in your neighborhood, you can challenge your assessment and save money. When building your case, an appraisal from us is your best evidence. We're qualified to assist you in challenging your tax assessment.

PMI removal to reduce a mortgage payment

Private Mortgage Insurance, or PMI, is an extra insurance plan that most 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 real estate. Seeing that extra payment is usually folded into the monthly mortgage payment, it is often forgotten. This is damaging because PMI is unnecessary when the remainder of the loan - whether through market appreciation or principal pay down - dips below the 80% mark. In fact, the Homeowners Protection Act (HPA) of 1998 was invoked by the United States Congress requiring lenders to remove the PMI installments when the loan-to-value ratio conditions have been met.

Sirius Appraisal Services can produce a statement regarding the value of your home, and the expense of the appraisal can often be regained in just a few months because you'll no longer be paying the PMI.

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Divorce settlement with fewer hang-ups

A divorce is a particularly horrible experience for the parties involved, and it is often more complicated by the strenuous decision of who keeps the home. So both parties are completely aware of the true market value of their house, it's a good idea to order an appraisal from Sirius Appraisal Services, regardless of the situation.

If the parties need 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 received a fair assessment.

Ascertain an accurate and fair valuation for estate liquidation

The death of a loved one is a painful time in life, and settling an estate from a death, or probate, often requires an appraisal to establish Fair Market Value for the residential property 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).

Unlike many wealthy individuals, most Americans do not have dedicated estate planners or executors to handle these issues. A home or other property often makes up an unequal 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 a fair deal.

Move to or from Queens County through an employee relocation program

We understand the stress associated with an employee relocation. That being said, we take great care in establishing a convenient appointment time for the appraisal inspection. During our detailed inspection, we encourage relocating employees to provide feedback on the positive aspects of their property, as well as information regarding any new sales or listings in their area that they want considered.

Sell your home promptly — at an accurate price

A professional appraisal will help you make a better educated decision when determining your selling price, whether you want 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, apart from real estate agents. Our fees aren't a percentage of the sales price, but rather they are based on our efforts to complete the appraisal report.

On a daily basis, we determine the difference in value items like an additional bathroom or a kitchen remodel can make. And we're experts in knowing how long housesare on the market. So, getting a professional appraisal is a reliable 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.

Let Sirius Appraisal Services help you sell your home quickly at the right price