Let Bowman & Associates, LLC. handle your appraisal

To a lot of us, an appraisal just looks like one more thing in the long list of items for a home sale or refinance. Practically all lenders still call for a local expert because the stakes are incredibly high, even though there are a developing number of automated home valuation systems that might appear to be more practical than an appraisal. You might think that obtaining a mortgage is the only basis for getting an appraisal, but there are other times when the services of a licensed, independent real estate professional might be helpful.


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Let Bowman & Associates, LLC. help you dispute your tax assessment in Hendricks County

It's possible 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 previous assessment of your home, so if values have gone down in your area, you can appeal your assessment and save money. An appraisal from Bowman & Associates, LLC. is your best evidence when building your case. We're qualified to assist you in challenging your tax assessment.

How can you eliminate PMI to lower your mortgage payment?

When the amount being loaned to the homeowner is more than 80% of the actual value of the home, nearly all lenders ask home owners to purchase an added insurance policy. That policy is Private Mortgage Insurance, or PMI. This extra payment is often bundled into the monthly mortgage payment and is promptly forgotten. This is unfortunate because PMI is no longer required when the remaining balance of the loan - whether through market appreciation or principal pay down - goes below the 80% mark. In fact, the United States Congress invoked a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to eliminate the PMI payments when the loan-to-value ratio conditions have been met.

If you'd like to get rid of PMI, Bowman & Associates, LLC. will produce a statement regarding the value of your home. The price you paid for 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

A divorce is an especially daunting ordeal for the parties involved, and it is often even more complicated by the difficult decision of who maintains the home. Regardless of the circumstances, it's wise to order an appraisal from Bowman & Associates, LLC. so both parties are completely aware of the true market value of their property.

The parties will have a good 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 assessment.

Accurate and fair estate liquidation with Bowman & Associates, LLC.Settling an estate

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

Unlike wealthier individuals, most Americans don't 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, understanding the precise value of the real estate at hand is of vital importance to ensuring disputing parties walk away knowing they've gotten an honest deal.

Let Bowman & Associates, LLC. help you with relocating to or from Hendricks County

Employee relocation can be a real pain. We know where you're coming from! That's why we take great care in establishing a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide feedback on the positive aspects of their property, as well as information regarding any current sales or listings in their neighborhood that they want considered during our intensive process.

Selling your home quickly at the right price with an appraisal from Bowman & Associates, LLC.

A professional appraisal can help you make a better educated decision when determining your asking price, whether you choose to sell your home on your own or use the assistance of a real estate agent. Unlike a real estate agent, an appraiser has no vested interest in what amount the house sells for. Our fees depend on our efforts to complete the appraisal report and and aren't related to the sales price.

We analyze 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 houses stay on the market. So, getting 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.