There are lots of reasons consumers call on Davidson & Associates

To a lot of us, an appraisal is simply another cost in the long list of items for a mortgage or refinance. Most lenders still want a local expert because the stakes are incredibly high, even though there are an increasing number of automated home valuation systems that might appear more practical than an appraisal. You might believe that obtaining a mortgage is the only reason to get an appraisal, but there are more instances when the services of a licensed, independent real estate professional might be beneficial.


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Dispute your tax assessment in Forsyth County

If you live in an area where property values have declined, it's possible you're paying too much in property taxes. When building your case, an appraisal from Davidson & Associates is your best evidence. At Davidson & Associates,we can assist you in challenging your tax assessment.

How can you get rid of PMI to lower your mortgage payment?

When the amount being loaned to the buyer is more than 80% of the actual value of the home, almost all lenders ask home owners to purchase an extra insurance policy. That policy is Private Mortgage Insurance, or PMI. This additional payment is often bundled into the monthly mortgage payment and is quickly forgotten. This is unfortunate because PMI becomes unnecessary when the remainder of the loan - whether through market appreciation or principal pay down - falls below the 80% mark. In fact, the United States Congress passed a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to dismiss the PMI installments when the loan-to-value ratio conditions have been met.

If you'd like to eliminate PMI, Davidson & Associates will produce a statement regarding the value of your home. The price you paid for the appraisal can often be offset in just a few months because you'll no longer be paying the PMI.

An appraisal from Davidson & Associates will help you settle a divorce with less stress

A divorce can be an especially traumatic ordeal for both parties, and it is often more complicated by the burdensome decision of who keeps the property. So both parties are completely aware of the true market value of their house, it's a good idea to order an appraisal from Davidson & Associates, regardless of the situation.

If the parties wish to sell the home, they'll have a a good 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 gotten a fair assessment.

Accurate and fair estate liquidation with Davidson & AssociatesSettling an estate

Losing a loved one is a painful 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. We guarantee the utmost degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).

Most Americans do not have dedicated estate planners or executors to handle these issues, unlike many wealthy individuals. 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 vital importance to ensuring disputing parties walk away knowing they've gotten a fair deal.

Let Davidson & Associates help you with relocating to or from Forsyth County

Moving due to a job change is a real pain. We know where you're coming from. That being said, we take great care in organizing a convenient appointment time for the appraisal inspection. During our intensive process, we encourage relocating employees to provide input on the positive features of their property, as well as information about any new sales or listings in their neighborhood that they want considered.

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

A professional appraisal can help you make a more informed decision regarding your selling price, whether you choose 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, unlike real estate agents. Our fees depend on our efforts to complete the appraisal report and and aren't related to the sales price.

We determine the difference in value things like an extra bathroom or a kitchen remodel can make on a daily basis. Getting a professional appraisal is a trusted way to determine 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.