Let Frigoletto & Associates Inc. handle your appraisal needs

To a lot of people, an appraisal just looks like a line item in the long list of items for a home purchase or refinance. Almost all lenders still need a local expert because the stakes are so high, even though there are a multiplying number of automated home valuation methods that may appear more practical than an appraisal. Is obtaining a mortgage the only reason to acquire an appraisal? Are there other times when the services of a licensed, independent real estate professional could be beneficial? Of course there are.

Let Frigoletto & Associates Inc. help you lower your mortgage payment

Appeal your tax assessment in Worcester County

If you are in an area where the value of property has declined, it's possible you're paying too much in property taxes. When building your case, an appraisal from us is your best evidence. We can assist you in disputing your tax assessment.

PMI removal to reduce your mortgage payment

When the amount being loaned to the homebuyeris more than 80% of the actual value of the home, nearly all lenders ask home owners to buy this extra insurance policy. That policy is Private Mortgage Insurance, or PMI. Since the extra payment is usually lumped into the monthly mortgage payment, it is often forgotten. PMI isn't necessary when the remaining balance of the loan - whether through market appreciation or principal pay down - decreases below the 80% mark, making this very unfavorable. In fact, the Homeowners Protection Act (HPA) of 1998 was invoked by the United States Congress that requires lenders to dismiss the PMI installments when the loan-to-value ratio conditions have been met.

Frigoletto & Associates Inc. will produce a statement regarding the value of your home, and the expense of the appraisal can often be offset in just a few months because you'll no longer be paying the PMI.

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Divorce settlement with less stress

A divorce is an especially traumatic ordeal for the parties involved, and it is often more complicated by the strenuous decision of who maintains the property. It's a good idea to order an appraisal from Frigoletto & Associates Inc. so both parties are fully aware of the true market value of their house, regardless of the circumstances.

The parties will have a better idea of what price to set, if they wish 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 assessment.

Determine a fair and accurate valuation for estate liquidation

Losing a loved one is a difficult time in life, and settling an estate from a death, or probate, often calls for an appraisal to establish Fair 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 an unequal share of the total estate value, understanding the true worth of the real estate at hand is of vital importance to ensuring disputing parties leave knowing they've received an honest deal.

Relocate to or from Worcester County through an employee relocation program

We understand the headaches associated with an employee relocation. That being said, we take great care in setting up a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide remarks on the positive attributes of their property, along with information regarding any new sales or listings in their area that they want considered during our thorough inspection.

Sell your home quickly — at an accurate price

Whether you choose to sell your home on your own or with the help of a real estate agent, a professional appraisal will help you make a better educated decision when determining your selling price. An appraiser has no vested interest in what amount the house sells for, apart from real estate agents. Our fees depend on our efforts to finish the appraisal report and and aren't related to the sales price.

On a daily basis, we determine the difference in value things like an extra bathroom or a kitchen remodel can make. And we're experts in knowing how long homesare on the market. So, getting a professional appraisal is a reliable way to determine what improvements will add value and what an appropriate sales price is for your home so you don't come up short or have your house on the market an unnecessarily long time.

Let Frigoletto & Associates Inc. assist you in selling your home quickly at the right price