Reasons someone would use the services of A. Michael Hickox Appraisal Services, Inc.

To many, an appraisal just looks like one more thing on the break-sheet for a mortgage or refinance. Most lenders still want a local expert because the stakes are very high, even though there are a budding number of automated home valuation processes that may appear more cost-effective than an appraisal. You might believe that getting a mortgage is the only reason to acquire an appraisal, but there are additional times when the services of a certified, independent real estate professional could be helpful.


	For real estate appraisals in Fernandina Beach and Nassau County, it's easiest when your order online from A. Michael Hickox Appraisal Services, Inc., just click here.

Let A. Michael Hickox Appraisal Services, Inc. help you challenge your tax assessment in Nassau County

It's likely you're paying too much in property taxes if you reside in an area where property values have depreciated. Property taxes are determined by a past assessment of your home, so if prices are less than what they used to be in your area, you can challenge your assessment and save money. An appraisal from A. Michael Hickox Appraisal Services, Inc. is your best evidence when building your case. We're qualified to assist you in disputing your tax assessment.

How can you get rid of PMI to lower your mortgage payment?

When the amount being loaned to the homeowner is more than 80% of the actual value of the real estate, nearly all lenders ask homeowners to buy an added insurance plan. That policy is Private Mortgage Insurance, or PMI. Very often, this added payment is lumped into the monthly mortgage payment and is promptly forgotten. This is unfavorable because PMI is unnecessary when the leftover balance of the loan - whether through market appreciation or principal pay down - dips below the 80% level. 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 installments when the loan-to-value ratio conditions have been met.

If you'd like to get rid of PMI, A. Michael Hickox Appraisal Services, Inc. will produce a statement regarding the value of your home. The price you paid for the home valuation can generally be recovered in a short amount of time because you'll no longer be paying the PMI.

An appraisal from A. Michael Hickox Appraisal Services, Inc. will help you settle a divorce with less stress

A divorce is often complicated by the burdensome decision of who maintains the property, and it can be a very traumatic occurrence for both parties. Regardless of the situation, it's wise to order an appraisal from A. Michael Hickox Appraisal Services, Inc. so both parties are entirely aware of the true market value of their house.

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 evaluation.

Fair and accurate estate liquidation with A. Michael Hickox Appraisal Services, Inc.Settling an estate

The loss of a loved one is a difficult time in life, and settling an estate from a death, or probate, often requires an appraisal to establish Market Value for the residential property involved. We guarantee 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 many wealthy individuals, most Americans don't have dedicated estate planners or executors to handle these matters. And seeing that a home or other property often makes up a disproportionate share of the total estate value, knowing the precise value of the real estate at hand is of significant importance to ensuring disputing parties walk away knowing they've received an honest deal.

A. Michael Hickox Appraisal Services, Inc. can assist you in relocating to or from Nassau County

Moving due to a job change is a stressful event, and we understand. That's why we take great care in setting up an accommodating appointment time for the appraisal inspection. During our detailed process, we encourage relocating employees to provide input on the positive aspects of their property, along with information about any recent sales or listings in their area that they want considered.

Let A. Michael Hickox Appraisal Services, Inc. help you sell your home quickly at the right price

Whether you want 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 asking price. An appraiser has no vested interest in what amount the house sells for, unlike real estate agents. Our fees aren't a percentage of the sales price, but rather they are based on our efforts to finish the appraisal.

We analyze the difference in value things like an extra bathroom or a kitchen remodel can make on a daily basis. Obtaining a professional appraisal is a trusted 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 - because we're experts in knowing how long houses stay on the market.