Reasons someone would use the services of Roler Appraisal Services

To a lot of us, an appraisal is simply a line item on the settlement sheet for a mortgage or refinance. Nearly all lenders still want a local expert because the stakes are very high, even though there are a developing number of automated home valuation systems that may appear to be more practical than an appraisal. You might believe that obtaining a mortgage is the only reason to get an appraisal, but there are additional instances when the services of a certified, independent real estate professional could be helpful.


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Appeal your tax assessment in Rutherford County

If you reside in an area where the value of property has declined, it's possible you're paying too much in property taxes. An appraisal from Roler Appraisal Services is your best evidence when building your case. We're qualified to assist you in challenging your tax assessment.

How can you do away with PMI to lower your mortgage payment?

Private Mortgage Insurance, or PMI, is an added insurance policy that nearly all lenders ask homebuyers to purchase when the amount being loaned to the home buyer is more than 80% of the actual value of the real estate. Oftentimes, this additional payment is folded into the monthly mortgage payment and is promptly forgotten. This is bad because PMI is unnecessary when the remainder of the loan - whether through market appreciation or principal pay down - decreases below the 80% level. In fact, the United States Congress invoked a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to do away with the PMI installments when the loan-to-value ratio conditions have been met.

Roler Appraisal Services can produce a statement regarding the value of your home, and the expense of the home valuation can usually be regained in little time because you'll no longer be paying the PMI.

Settling a divorce with less stress

A divorce is often complicated by the difficult decision of who maintains the property, and it can be an especially heartbreaking occurrence for both parties. Regardless of the situation, it's wise to get an appraisal from Roler Appraisal Services so both parties are completely aware of the true market value of their home.

If the parties need to sell the home, they'll have a clearer picture of what price to set. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've gotten a fair assessment.

Settling an estate with peace of mind

Losing 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 guarantee the highest degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).

Most Americans do not have dedicated estate planners or executors to take care of these matters, unlike wealthier individuals. And seeing that a home or other property often makes up an uneven share of the total estate value, knowing the true value of the real estate at hand is of vital importance to ensuring disputing parties leave knowing they've gotten a fair deal.

Relocating to or from Rutherford County

We know the headaches involved with an employee relocation. That being said, we take great care in establishing an accommodating appointment time for the appraisal inspection. During our intensive process, we suggest employees that are moving 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.

Selling your home quickly at the right price with an appraisal from Roler Appraisal Services

A professional appraisal will help you make a more informed decision when determining your selling price, whether you choose to sell your home on your own or use the assistance of a real estate agent. Separate from a real estate agent, an appraiser has no vested interest in what price the house sells for. The price we charge isn't contingent upon the value opinion we render, but rather they depend on our efforts to complete the appraisal.

We determine the difference in value items like an extra 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, obtaining a professional appraisal is a trusted way to decide 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 for an extended amount of time.