There are lots of reasons the public calls on AD Brown Appraisals

To many, an appraisal is simply one more thing in the long list of items for a home sale or refinance. Nearly all lenders still call in a local expert because the stakes are incredibly high, even though there are a budding number of automated home valuation methods that may seem less expensive than an appraisal. You might think that getting a mortgage is the only reason you should get an appraisal, but there are additional cases when the services of a certified, independent real estate professional might be beneficial.


	If you're planning on any transaction where the value of your house is a factor, contact AD Brown Appraisals. Just click here.

Let AD Brown Appraisals help you dispute your tax assessment in Loudoun County

It's quite possible you're paying too much in property taxes if you live in an area where property values have depreciated. Ad Valorem taxes are determined by a previous assessment of your house, so if prices have declined in your neighborhood, you can appeal your assessment and save money. When building your case, an appraisal from AD Brown Appraisals is your best evidence. At AD Brown Appraisals, we're capable of assisting 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 additional insurance plan that many lenders ask homeowners to purchase when the amount being loaned to the home owner is more than 80% of the actual value of the home. This extra payment is often lumped into the monthly mortgage payment and is soon forgotten. PMI isn't required 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 United States Congress invoked a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to do away with the PMI payments when the loan-to-value ratio conditions have been met.

If you'd like to eliminate PMI, AD Brown Appraisals can produce a statement regarding the value of your home. The expense of the appraisal can generally be offset in just a few months because you'll no longer be paying the PMI.

An appraisal from AD Brown Appraisals will help you settle a divorce with less stress

A divorce is often complicated by the strenuous decision of who keeps the house, and it can be a very traumatic event for both parties. It's a good idea to get an appraisal from AD Brown Appraisals so both parties are completely aware of the true market value of their house, regardless of the situation.

If the parties want 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.

Settling an estate with peace of mind

The death of a loved one is a painful time in life, and settling an estate from a death, or probate, often calls for an appraisal to establish Market Value for the residential property involved. We guarantee the maximum degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).

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

AD Brown Appraisals can assist you in relocating to or from Loudoun County

Moving due to a job change can be a more than just an inconvenience, and we understand. That being said, we take great care in establishing an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide input on the positive aspects of their property, along with information about any current sales or listings in their neighborhood that they want considered during our intensive process.

Sell your home quickly at the right price

Whether you decide to sell your home on your own or with the help of a real estate agent, a professional appraisal can help you make a more informed decision when determining your selling price. 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 calculated on our efforts to perform the appraisal report and and aren't related to the sales price.

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