Reasons someone would use the services of Donald Tubbs

To a lot of people, an appraisal is simply one more thing on the break-sheet for a home purchase or refinance. Most lenders still want a local expert because the stakes are so high, even though there are a multiplying number of automated home valuation systems that might seem more economical than an appraisal. You might believe that getting a mortgage is the only reason you should get an appraisal, but there are more instances when the services of a certified, independent real estate professional might be beneficial.

For real estate appraisals in Springfield and Hampden County, it's easiest when your order online from Donald Tubbs, just click here.

Let Donald Tubbs help you dispute your tax assessment in Hampden County

It's likely you're paying too much in property taxes if you live in an area where property values have declined. Ad Valorem taxes are determined by a previous assessment of your house, so if prices are less than what they used to be in your neighborhood, you can appeal your assessment and save money. An appraisal from Donald Tubbs is your best evidence when building your case. We're capable of assisting you in disputing your tax assessment.

PMI removal to lower your mortgage payment

When the amount being loaned to the homeowner is more than 80% of the actual value of the real estate, almost all lenders ask home buyers to take out an additional insurance policy. That policy is Private Mortgage Insurance, or PMI. Very often, this additional payment is folded into the monthly mortgage payment and is promptly forgotten. PMI is unnecessary when the remaining balance of the loan - whether through market appreciation or principal pay down - dips below the 80% mark, making this very unfavorable. In fact, the Homeowners Protection Act (HPA) of 1998 was approved by the United States Congress requiring lenders to remove the PMI payments when the balance is paid down to 78% of the original value.

Donald Tubbs 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.

Divorce settlement with less stress

A divorce can be a very traumatic experience for both parties, and it is often further complicated by the strenuous decision of who gets the home. So both parties are entirely aware of the true market value of their home, it's a good idea to get an appraisal from Donald Tubbs, regardless of the circumstances.

The parties will have a better idea of what price to set, if they wish 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

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

Most Americans don't have dedicated estate planners or executors to handle these issues, unlike many wealthy individuals. 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 essential importance to ensuring disputing parties leave knowing they've gotten a fair deal.

Relocating to or from Hampden County?

Employee relocation can be a real pain, and we understand. We take great care in establishing a convenient appointment time for the appraisal inspection. During our intensive process, we encourage employees that are moving to provide feedback on the positive features of their property, as well as information about any current sales or listings in their area that they want considered.

Let Donald Tubbs help you sell your home quickly at the right price

A professional appraisal will help you make a more informed decision regarding your asking price, whether you choose to sell your home on your own or with the help of a real estate agent. Unlike a real estate agent, an appraiser has no vested interest in what price the house sells for. Our fees aren't contingent upon the value we report, but rather they rest on our efforts to finish the appraisal.

We analyze the difference in value items like an additional bathroom or a kitchen remodel can make on a daily basis. And we're experts in knowing how long houses are on the market. So, seeking 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.