Let take care of your appraisal needs
To a lot of us, an appraisal is simply a line item on the break-sheet for a mortgage or refinance. While there are an increasing number of automated home valuation methods that might seem more economical than an appraisal, most lenders still call in a local expert because the stakes are very high. Is getting a mortgage the only reason you should get an appraisal? Are there more instances when the services of a certified, independent real estate professional might be helpful? You bet there are.
Dispute your tax assessment
It's quite possible you're paying too much in property taxes if you live in an area where property values have depreciated. Ad Valorem taxes are based upon a previous assessment of your real estate, so if prices are less than what they used to be in your neighborhood, you can challenge your assessment and save money. An appraisal from is your best evidence when building your case. We can assist you in challenging your tax assessment.
Getting rid of your PMI for mortgage payments
Private Mortgage Insurance, or PMI, is a supplemental insurance policy that almost all lenders ask home buyers to buy when the amount being loaned to the homeowner is more than 80% of the actual value of the property. This added payment is often bundled into the monthly mortgage payment and is quickly forgotten. This is unfortunate because PMI is unnecessary when the remainder of the loan - whether through market appreciation or principal pay down - falls below the 80% level. In fact, the United States Congress invoked a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to eliminate the PMI installments when the loan-to-value ratio conditions have been met.
will provide you with a statement regarding the value of your home, and the price you paid for the home valuation can often be recovered in a short amount of time because you'll no longer be paying the PMI.
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Divorce settlement with fewer hang-ups
A divorce can be a particularly daunting experience for both parties, and it is often even more complicated by the burdensome decision of who gets the property. Regardless of the circumstances, it's a good idea to get an appraisal from so both parties are fully aware of the true market value of their house.
The parties will have a clearer picture 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.
Accurate and fair estate liquidation
Losing a loved one is a difficult time in life, and settling an estate from a death, or probate, often calls for an appraisal to establish Fair Market Value for the real estate involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, guaranteeing the utmost degree of discretion.
Most Americans don't have dedicated estate planners or executors to handle these issues, unlike many wealthy individuals. And since a home or other property often makes up an uneven share of the total estate value, knowing the true value of the real estate at hand is of vital importance to ensuring disputing parties leave knowing they've gotten a fair deal.
Move to or from Cook County through an employee relocation program
Employee relocation can be a stressful event, and we understand. That being said, we take great care in setting up a convenient appointment time for the appraisal inspection. During our intensive inspection, we suggest relocating employees to provide feedback on the positive characteristics of their property, along with information regarding any new sales or listings in their area that they want considered.
Sell your home promptly — at an accurate price
A professional appraisal can help you make a better educated decision regarding your asking price, whether you decide to sell your home on your own or use the assistance of a real estate agent. Apart from a real estate agent, an appraiser has no vested interest in what amount the house sells for. Our fees aren't related to the sales price, but rather they rest on our efforts to complete the appraisal report.
On a daily basis, we examine the difference in value things like an additional bathroom or a kitchen remodel can make. Seeking a professional appraisal is a reliable way to determine what improvements will add value and what a suitable 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 homes are one the market.