There are lots of reasons the public calls on Gary W. Miller

To many, an appraisal is simply another cost in the long list of items for a mortgage or refinance. And while there are a developing number of automated home valuation processes that may appear to be cheaper than an appraisal, practically all lenders still want a local expert because the stakes are so high. You might think that obtaining a mortgage is the only reason to get an appraisal, but there are other situations when the services of a certified, independent real estate professional might be beneficial.


	For real estate appraisals in Orange Park and Clay County, it's easiest when your order online from Gary W. Miller, just click here.

Let Gary W. Miller help you dispute your tax assessment in Clay County

If you reside 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 Gary W. Miller is your best evidence. At Gary W. Miller, we're qualified to assist you in disputing 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 many lenders ask buyers to purchase when the amount being loaned to the home buyer is more than 80% of the actual value of the property. Very often, this additional payment is bundled into the monthly mortgage payment and is promptly forgotten. This is bad because PMI isn't required when the leftover balance of the loan - whether through market appreciation or principal pay down - falls below the 80% mark. In fact, the United States Congress implemented a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to dismiss the PMI payments when the loan-to-value ratio conditions have been met.

Gary W. Miller can provide you with a statement regarding the value of your home, and the cost of 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 a particularly heartbreaking ordeal for the parties involved, and it is often more complicated by the burdensome decision of who maintains the property. It's a good idea to get an appraisal from Gary W. Miller so both parties are entirely aware of the true market value of their home, regardless of the circumstances.

If the parties wish to sell the home, they'll have a better idea of what price to set. And if a "buyout" is the chosen option, both parties will feel like they've received a fair assessment.

Settling an estate with peace of mind

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

Most Americans don't have dedicated estate planners or executors to take care of these issues, unlike wealthier individuals. And seeing that a home or other property often makes up an unequal share of the total estate value, knowing the precise value of the real estate at hand is of vital importance to ensuring disputing parties walk away knowing they've gotten a fair deal.

Relocating to or from Clay County?

We are aware of the stress involved with an employee relocation. That's why we take great care in organizing a convenient appointment time for the appraisal inspection. During our intensive process, we recommend relocating employees to provide input on the positive features of their property, along with information about any current sales or listings in their area that they want considered.

Don't sell out short or keep your home on the market too long.

A professional appraisal can help you make a better educated decision regarding your asking price, whether you choose to sell your home on your own or with the help of a real estate agent. 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 derived from our efforts to complete the appraisal report and and aren't related to the sales price.

We examine the difference in value items like an additional bathroom or a kitchen remodel can make on a daily basis. Obtaining a professional appraisal is a trusted way to decide 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 - because we're experts in knowing how long houses are one the market.