Our Services

Mortgage refinancing is the process of replacing an existing mortgage with a new one, typically to secure better terms such as a lower interest rate, reduced monthly payments, or to access equity in the property. Homeowners may refinance for various reasons, including to shorten the loan term, consolidate debt, or switch from an adjustable-rate mortgage to a fixed-rate mortgage. The process involves applying for a new loan, undergoing credit checks, and may require an appraisal to determine the current value of the home.

Primary and secondary mortgages are important for real estate financing. A primary mortgage is the main loan used to buy a property, secured by the property itself, and usually has lower interest rates and longer repayment terms. A secondary mortgage, also known as a home equity loan, lets homeowners borrow against the value of their home for things like renovations or paying off debt, but it typically has higher interest rates because of the greater risk to lenders if foreclosure occurs.

Employee relocation refers to the process of moving an employee from one location to another, often due to job requirements or company needs. This can involve a local, national, or international move. The relocation may encompass various aspects, including logistical arrangements, financial considerations, and personal adjustments for the employee and their family.

Private Mortgage Insurance (PMI) removal applies to borrowers who initially made a down payment of less than 20% on their home. PMI is typically required by lenders to protect themselves in case of default. Borrowers may request PMI removal once their loan principal balance reaches 80% of the home's original appraised value or purchase price. Lenders may also automatically remove PMI when the balance hits 78%, provided the borrower is current on payments. It's essential for homeowners to monitor their equity and understand the necessary steps for PMI cancellation to potentially lower their monthly mortgage payments.

Estate planning is the process of organizing and managing an individual's assets during their lifetime and determining how those assets will be distributed after their death. It involves making decisions regarding wills, trusts, powers of attorney, and healthcare directives. The primary objectives of estate planning are to ensure that an individual’s wishes are honored, to minimize taxes and legal fees, and to streamline the transfer of assets to beneficiaries.

A divorce settlement is a legal agreement made during a divorce. It covers how to divide shared assets and debts, child custody, visitation rights, and spousal support if needed. The terms are usually negotiated by the spouses, sometimes with help from mediators or lawyers. Once agreed upon, it is submitted to the court for approval and becomes part of the final divorce decree. The settlement seeks to resolve disputes and clarify the relationship between the former spouses after the divorce.

For Sale By Owner (FSBO) transactions occur when property owners sell their real estate without the assistance of a real estate agent. This approach allows sellers to retain the entire sale price without paying commission fees typically associated with agent services.

Fair market value (FMV) is the estimated price at which an asset would change hands between a willing buyer and a willing seller, both having reasonable knowledge of the relevant facts, and neither being under any compulsion to buy or sell. It reflects what the asset would sell for in an open market.

Tax revaluation is a process conducted by local governments to reassess the value of properties within their jurisdiction for the purpose of determining property tax rates. The primary goal of tax revaluation is to ensure that property taxes are fairly assessed based on the current market values of properties. This process typically occurs on a regular schedule, such as every few years, although the specific timing may vary by municipality.

Insurance is essential for property valuation and coverage. Accurate appraisals ensure fair compensation for losses and match insured values with market trends, helping insurers assess risk and set premiums while maintaining stability. Trustworthy values help clients and insurers protect against unexpected events.

Sketch houses for Realtors using ANSI measurement standards.