Let (208) 782-0233 handle your appraisal needs
To a lot of us, an appraisal is simply another fee in the long list of items for a mortgage or refinance. And even though there are an increasing number of automated home valuation processes that may seem more cost-effective than an appraisal, most lenders still need a local expert because the stakes are incredibly high. Is getting a mortgage the only basis for getting an appraisal? Are there more times when the services of a licensed, independent real estate professional could come in handy? You bet there are.
Dispute your tax assessment in Bingham County
If you are in an area where property values have declined, it's possible you're paying too much in property taxes. An appraisal from (208) 782-0233 is your best evidence when building your case. At (208) 782-0233, we're qualified to assist you in challenging your tax assessment.
Removing PMI for mortgage payments
Private Mortgage Insurance, or PMI, is an extra insurance plan that nearly all lenders ask buyers to purchase when the amount being loaned to the buyer is more than 80% of the actual value of the home. Very often, this added payment is folded into the monthly mortgage payment and is quickly forgotten. PMI is no longer required when the remaining balance of the loan - whether through market appreciation or principal pay down - dips below the 80% mark, making this very unfavorable. In fact, the Homeowners Protection Act (HPA) of 1998 was invoked by the United States Congress requiring lenders to remove the PMI installments when the loan-to-value ratio conditions have been met.
(208) 782-0233 can 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 an especially traumatic event for both parties, and it is often even more complicated by the challenging decision of who gets the house. So both parties are completely aware of the true market value of their home, it's a good idea to order an appraisal from (208) 782-0233, 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 gotten a fair assessment.
Accurate and fair 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 Fair Market Value for the residential property involved. We guarantee the maximum degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).
Unlike wealthier individuals, most Americans don't have dedicated estate planners or executors to take care of these affairs. And since a home or other property often makes up a disproportionate share of the total estate value, understanding the true value of the real estate at hand is of essential importance to ensuring disputing parties walk away knowing they've received a fair deal.
Relocate to or from Bingham County through an employee relocation program
Employee relocation is a stressful event, and we understand. That being said, we take great care in establishing a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide remarks on the positive aspects of their property, along with information regarding any new sales or listings in their area that they want considered during our detailed inspection.
Close on your home promptly — for an accurate price
A professional appraisal will help you make a more informed decision when determining your asking price, whether you want to sell your home on your own or use the assistance of a real estate agent. Unlike a real estate agent, an appraiser has no vested interest in what amount the house sells for. Our fees are calculated on our efforts to finish the appraisal report and and aren't related to the sales price.
We determine the difference in value things like an additional bathroom or a kitchen remodel can make on a daily basis. Getting a professional appraisal is a reliable 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 an unnecessarily long time, because we're experts in knowing how long houses are one the market.