Why you should order an appraisal from Jeffrey C. Leger

Year after year, thousands of people in Massachusetts buy, sell or refinance their home. A lot of these transactions involve a simple line item for an appraisal. Almost all lenders still call for a local expert because the stakes are incredibly high, even though there are a budding number of automated home valuation processes that may appear to be cheaper than an appraisal. You might assume that securing a mortgage is the only reason to get an appraisal, but there are other cases when the services of a certified, independent real estate professional could come in handy.


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Let Jeffrey C. Leger help you challenge your tax assessment in Hampden County

It's likely you're paying too much in property taxes if you reside in an area where property values have depreciated. Property taxes are determined by a previous assessment of your home, so if values have gone down in your neighborhood, you can challenge your assessment and save money. An appraisal from Jeffrey C. Leger is your best evidence when building your case. At Jeffrey C. Leger,we can assist you in disputing your tax assessment.

Let Jeffrey C. Leger help you lower your mortgage payment

Private Mortgage Insurance, or PMI, is an extra insurance policy that nearly all lenders ask home owners to purchase when the amount being loaned to the home buyer is more than 80% of the actual value of the real estate. Since the added payment is usually folded into the monthly mortgage payment, it is often forgotten. This is unfavorable because PMI becomes unnecessary when the leftover balance of the loan - whether through market appreciation or principal pay down - decreases below the 80% mark. In fact, the Homeowners Protection Act (HPA) of 1998 was approved by the United States Congress requiring lenders to do away with the PMI payments when the balance is paid down to 78% of the original value.

Jeffrey C. Leger will give you a statement regarding the value of your home, and the expense of the appraisal can usually be offset in a short amount of time because you'll no longer be paying the PMI.

Settling a divorce with less stress

A divorce is a very traumatic experience for the parties involved, and it is often more complicated by the difficult decision of who maintains the home. Regardless of the situation, it's wise to order an appraisal from Jeffrey C. Leger so both parties are fully aware of the true market value of their house.

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

Accurate and fair estate liquidation with Jeffrey C. LegerSettling an estate

The loss of a loved one is a painful time in life, and settling an estate from a death, or probate, often entails 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 fullest degree of discretion.

Most Americans don't have dedicated estate planners or executors to handle these issues, unlike wealthy individuals. And seeing that a home or other property often makes up an unequal share of the total estate value, knowing the precise value of the real estate at hand is of essential importance to ensuring disputing parties leave knowing they've received a fair deal.

Let Jeffrey C. Leger help you with relocating to or from Hampden County

We are familiar with the stress 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 intensive process, we suggest relocating employees to provide input on the positive characteristics of their property, as well as information regarding any current sales or listings in their neighborhood that they want considered.

Let Jeffrey C. Leger assist you in selling 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 use the assistance of a real estate agent. An appraiser has no vested interest in what amount the house sells for, which is different than the interest of real estate agents. Our fees are based on our efforts to finish the appraisal report and and aren't related to the sales price.

We determine 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 homes stay on the market. So, seeking a professional appraisal is a reliable way to determine what improvements will add value and what a suitable sales price is for your home so you don't come up short or have your house on the market an unnecessarily long time.