Let Southern Horizons Appraisal, LLC take care of your appraisal

Thousands of people in South Carolina buy, sell or refinance their home each year. Most of these transactions involve a simple line item for an appraisal. Nearly all lenders still need a local expert because the stakes are very high, even though there are a developing number of automated home valuation systems that might appear to be less expensive than an appraisal. But is getting a mortgage the only reason you should get an appraisal? Are there additional times when the services of a certified, independent real estate professional could come in handy? Of course.


	When you're planning on any transaction where the value of your home is of importance, contact Southern Horizons Appraisal, LLC. Just click here

Let Southern Horizons Appraisal, LLC help you dispute your tax assessment in Newberry County

If you live in an area where property values have depreciated, it's possible you're paying too much in property taxes. When building your case, an appraisal from Southern Horizons Appraisal, LLC is your best evidence. We're qualified to assist you in challenging your tax assessment.

Removing PMI will lower your mortgage payment

Private Mortgage Insurance, or PMI, is a supplemental insurance plan that most lenders ask homeowners to purchase when the amount being loaned to the homeowner is more than 80% of the actual value of the property. Seeing that extra payment is usually folded into the monthly mortgage payment, it is often forgotten. This is unfavorable 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 Homeowners Protection Act (HPA) of 1998 was implemented by the United States Congress requiring lenders to do away with the PMI payments on most mortgages when the balance is paid down to 78% of the original value.

Southern Horizons Appraisal, LLC will give you a statement regarding the value of your home, and the cost of the home valuation can usually be offset in a short amount of time because you'll no longer be paying the PMI.

Divorce settlement with less stress

A divorce is a very traumatic experience for the parties involved, and it is often more complicated by the burdensome decision of who maintains the home. Regardless of the circumstances, it's a good idea to order an appraisal from Southern Horizons Appraisal, LLC so both parties are entirely aware of the true market value of their house.

The parties will have a a good idea of what price to set, if they want to sell the home. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've received a fair evaluation.

Trustworthy estate liquidation

The death of a loved one is a difficult time in life, and settling an estate from a death, or probate, often requires 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, guaranteeing the utmost degree of discretion.

Most Americans don't have dedicated estate planners or executors to take care of these affairs, unlike many wealthy individuals. A home or other property often makes up an unequal share of the total estate value, so understanding the true value of the real estate at hand is of significant importance to ensuring disputing parties leave knowing they've received a fair deal.

Relocating to or from Newberry County?

We know the headaches involved with an employee relocation. That being said, we take great care in setting up an accommodating appointment time for the appraisal inspection. During our detailed process, we recommend employees that are moving to provide feedback on the positive characteristics of their property, as well as information about any new sales or listings in their neighborhood that they want considered.

Don't sell out for too little or keep your home on the market too long.

A professional appraisal can help you make a better educated decision regarding your selling price, whether you want 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, which is different than the interest of real estate agents. The price we charge isn't a percentage of the sales price, but rather they are calculated on our efforts to finish the appraisal.

We analyze the difference in value items like an extra bathroom or a kitchen remodel can make on a daily basis. 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 - because we're experts in knowing how long properties are one the market.