There are lots of reasons the public calls on Rebecca Hawker

Every year, thousands of people in Michigan purchase, sell or refinance their home. Most of these transactions have a simple line item for an appraisal. Practically all lenders still need a local expert because the stakes are incredibly high, even though there are a multiplying number of automated home valuation processes that may appear to be less expensive than an appraisal. But is getting a mortgage the only reason you should get an appraisal? Are there also times when the services of a certified, independent real estate professional might be beneficial? You bet there are.


	When you're planning on any transaction where the value of your real estate is a factor, just contact Rebecca Hawker. Just click here

Challenge your tax assessment in Genesee County

It's probable you're paying too much in property taxes if you reside in an area where property values have depreciated. Ad Valorem taxes are based upon a past assessment of your real estate, so if values are less than what they used to be in your area, you can challenge your assessment and save money. When building your case, an appraisal from Rebecca Hawker is your best evidence. At Rebecca Hawker, we're equipped to assist you in disputing your tax assessment.

Rebecca Hawker can help you get rid of PMI to lower your mortgage payment

Private Mortgage Insurance, or PMI, is an added insurance plan that many lenders ask home buyers to purchase when the amount being loaned to the home owner is more than 80% of the actual value of the home. Since the additional payment is usually folded into the monthly mortgage payment, it is often forgotten. This is unfavorable because PMI isn't required when the remainder of the loan - whether through market appreciation or principal pay down - goes below the 80% mark. In fact, the Homeowners Protection Act (HPA) of 1998 was approved by the United States Congress requiring lenders to dismiss the PMI installments when the balance is paid down to 78% of the original value.

If you'd like to eliminate PMI, Rebecca Hawker can provide you with a statement regarding the value of your home. The price you paid for the home valuation can often be regained in just a few months because you'll no longer be paying the PMI.

An appraisal from Rebecca Hawker will help you settle a divorce with less stress

A divorce is an especially traumatic ordeal for the parties involved, and it is often more complicated by the burdensome decision of who maintains the house. It's a good idea to get an appraisal from Rebecca Hawker so both parties are completely aware of the true market value of their house, regardless of the circumstances.

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

Fair and accurate estate liquidation

The loss of a loved one is a hard 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 guarantee the highest degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).

Most Americans do not have dedicated estate planners or executors to handle these affairs, unlike many wealthy individuals. And since a home or other property often makes up an uneven share of the total estate value, understanding the certain value of the real estate at hand is of significant importance to ensuring disputing parties walk away knowing they've received a fair deal.

Rebecca Hawker can help you with relocating to or from Genesee County

We know the headaches involved with an employee relocation. That being said, we take great care in setting up an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide remarks on the positive features of their property, as well as information regarding any current sales or listings in their area that they want considered during our thorough process.

Selling your home quickly at the right price with an appraisal from Rebecca Hawker

A professional appraisal can help you make a more informed 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. Separate from a real estate agent, an appraiser has no vested interest in what price the house sells for. Our fees aren't contingent upon the value opinion we render, but rather they are based on our efforts to complete the appraisal.

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