There are lots of reasons people call on TruVal Appraisals, LLC

To many, an appraisal just looks like another fee on the settlement sheet for a home sale or refinance. Even though there are a multiplying number of automated home valuation systems that may seem more economical than an appraisal, most lenders still need a local expert because the stakes are incredibly high. You might assume 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 might be beneficial.


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Dispute your tax assessment in Montgomery County

If you live in an area where property values have declined, it's possible you're paying too much in property taxes. When building your case, an appraisal from TruVal Appraisals, LLC is your best evidence. At TruVal Appraisals, LLC,we can assist you in disputing your tax assessment.

PMI removal will lower your mortgage payment

When the amount being loaned to the homeowner is more than 80% of the actual value of the real estate, almost all lenders ask homeowners to buy an supplemental insurance policy. That policy is Private Mortgage Insurance, or PMI. Most often, this extra payment is bundled into the monthly mortgage payment and is quickly forgotten. This is unfortunate because PMI isn't necessary when the leftover balance of the loan - whether through market appreciation or principal pay down - goes below the 80% level. In fact, the United States Congress implemented a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to eliminate the PMI installments when the loan-to-value ratio conditions have been met.

If you'd like to eliminate PMI, TruVal Appraisals, LLC will provide you with a statement regarding the value of your home. The expense of the appraisal can generally be recovered in just a few months because you'll no longer be paying the PMI.

Divorce settlement with less stress

A divorce can be a particularly traumatic event for both parties, and it is often further complicated by the troublesome decision of who keeps the home. So both parties are entirely aware of the true market value of their home, it's a good idea to get an appraisal from TruVal Appraisals, LLC, regardless of the circumstances.

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

Fair and accurate estate liquidation with help from TruVal Appraisals, LLCSettling an estate

The death of a loved one is a difficult 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, guaranteeing the maximum degree of discretion.

Unlike wealthier individuals, most Americans don't have dedicated estate planners or executors to manage these issues. A home or other property often makes up an unequal share of the total estate value, so knowing the true value of the real estate at hand is of essential importance to ensuring disputing parties walk away knowing they've gotten an honest deal.

Let TruVal Appraisals, LLC assist you in relocating to or from Montgomery County

We are aware of the stress associated with an employee relocation. That being said, we take great care in establishing a convenient appointment time for the appraisal inspection. During our intensive process, we encourage relocating employees to provide feedback on the positive characteristics of their property, as well as information regarding any new sales or listings in their area that they want considered.

Let TruVal Appraisals, LLC assist you in selling your home quickly at the right price

Whether you want to sell your home on your own or use the assistance of a real estate agent, a professional appraisal can help you make a more informed decision when determining your asking price. Separate from a real estate agent, an appraiser has no vested interest in what amount the house sells for. Our fees are derived from our efforts to perform the appraisal report and not a percentage of the sales price.

We determine the difference in value things like an additional bathroom or a kitchen remodel can make on a daily basis. And we're experts in knowing how long homes are on the market. So, obtaining 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 too long, costing you hassle and money.