The Cameron Group in Amarillo are hired for a variety of clientsEvery year, thousands of people in Texas purchase, sell or refinance their home. Many of these transactions involve a simple line item for an appraisal. Even though there are an increasing number of automated home valuation systems that may appear less expensive than an appraisal, almost all lenders still want a local expert because the stakes are incredibly high. You might believe that securing a mortgage is the only reason you should get an appraisal, but there are more cases when the services of a certified, independent real estate professional might be helpful.
Let The Cameron Group help you appeal your tax assessment in Randall CountyIt'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 based upon a past assessment of your house, so if prices are less than what they used to be in your area, you can appeal your assessment and save money. An appraisal from The Cameron Group is your best evidence when building your case. We're qualified to assist you in disputing your tax assessment.
Let The Cameron Group help you lower your mortgage paymentPrivate Mortgage Insurance, or PMI, is an extra insurance plan that many lenders ask home buyers to purchase when the amount being loaned to the homebuyer is more than 80% of the actual value of the real estate. Oftentimes, this added payment is bundled into the monthly mortgage payment and is soon forgotten. This is damaging because PMI is no longer required when the remainder of the loan - whether through market appreciation or principal pay down - falls below the 80% level. In fact, the Homeowners Protection Act (HPA) of 1998 was implemented by the United States Congress that requires lenders to eliminate the PMI installments when the balance is paid down to 78% of the original value.
The Cameron Group will produce a statement regarding the value of your home, and the expense of the appraisal can often be regained in a short amount of time because you'll no longer be paying the PMI.
Settling a divorce with less stress with an appraisal from The Cameron GroupA divorce is often complicated by the hard decision of who gets the property, and it can be a particularly traumatic ordeal for both parties. It's a good idea to order an appraisal from The Cameron Group so both parties are fully aware of the true market value of their home, 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 evaluation.
Settling an estate with peace of mindThe loss 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 real estate involved. We ensure the fullest degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).
Unlike wealthy individuals, most Americans do not have dedicated estate planners or executors to handle these affairs. And seeing that a home or other property often makes up a disproportionate share of the total estate value, knowing the absolute value of the real estate at hand is of significant importance to ensuring disputing parties walk away knowing they've received an honest deal.
The Cameron Group can assist you in relocating to or from Randall CountyMoving due to a job change is a more than just an inconvenience, and we understand. We take great care in establishing an accommodating appointment time for the appraisal inspection. During our intensive process, we encourage employees that are moving to provide remarks on the positive aspects of their property, along with information regarding any recent sales or listings in their area that they want considered.
Don't sell out for too little or let your home stay on the market too long.A professional appraisal will help you make a more informed decision when determining your asking 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 price the house sells for, unlike real estate agents. Our fees aren't related to the sales price, but rather they are calculated on our efforts to complete the appraisal.
We determine the difference in value things like an extra bathroom or a kitchen remodel can make on a daily basis. 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 - because we're experts in knowing how long homes stay on the market.