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Let DANIEL I KANDEL take care of your appraisal needs

To many, an appraisal is simply another fee on the break-sheet for a home purchase or refinance. And while there are a multiplying number of automated home valuation processes that may appear to be more cost-effective than an appraisal, most lenders still call for a local expert because the stakes are so high. Is securing a mortgage the only reason you should get an appraisal? Are there more cases when the services of a certified, independent real estate professional might come in handy? Of course.

Let DANIEL I KANDEL assist you in lowering your mortgage payment

Challenge your tax assessment

It's quite possible you're paying too much in property taxes if you reside in an area where property values have depreciated. Property taxes are based upon a past 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 DANIEL I KANDEL is your best evidence when building your case. We can assist you in challenging your tax assessment.

Remove PMI to lower your mortgage payment

Private Mortgage Insurance, or PMI, is a supplemental insurance plan that most lenders ask home buyers to buy when the amount being loaned to the home owner is more than 80% of the actual value of the real estate. Seeing that added payment is usually folded into the monthly mortgage payment, it is often forgotten. This is unfortunate because PMI is no longer required when the remaining balance of the loan - whether through market appreciation or principal pay down - goes below the 80% level. In fact, the Homeowners Protection Act (HPA) of 1998 was implemented by the United States Congress requiring lenders to eliminate the PMI payments when the loan-to-value ratio conditions have been met.

DANIEL I KANDEL will produce a statement regarding the value of your home, and the expense of the home valuation can usually be offset in just a few months because you'll no longer be paying the PMI.

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Settle a divorce with less stress

A divorce is often complicated by the challenging decision of who maintains the home, and it can be an especially horrible event for both parties. It's a good idea to order an appraisal from DANIEL I KANDEL so both parties are fully aware of the true market value of their house, regardless of the circumstances.

The parties will have a good idea of what price to set, if they need to sell the home. And if a "buyout" is the chosen option, both parties will feel like they've gotten a fair assessment.

Accurate and fair 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 real estate involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, guaranteeing the utmost degree of discretion.

Unlike many wealthy individuals, most Americans do not have dedicated estate planners or executors to take care of these issues. And seeing that a home or other property often makes up a disproportionate share of the total estate value, understanding the true value of the real estate at hand is of vital importance to ensuring disputing parties walk away knowing they've received an honest deal.

Relocate to or from Broward County for work

Employee relocation can be a stressful event, and we understand. We take great care in setting up a convenient appointment time for the appraisal inspection. During our intensive inspection, we recommend relocating employees to provide feedback on the positive attributes of their property, along with information regarding any recent sales or listings in their area that they want considered.

Close on your home promptly — at the right price

A professional appraisal will help you make a better educated decision when determining your selling price, whether you choose 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 calculated on our efforts to finish the appraisal report.

On a daily basis, we determine the difference in value things like an additional bathroom or a kitchen remodel can make. Seeking a professional appraisal is a reliable 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 houses stay on the market.

Let DANIEL I KANDEL assist you in selling your home quickly at the right price