Reasons you should order an appraisal from (208) 782-0233
Thousands of people in Idaho buy, sell or refinance their home each month. Most of these transactions involve a simple line item for an appraisal. The majority of lenders still want a local expert because the stakes are incredibly high, even though there are a developing number of automated home valuation methods that might appear more cost-effective than an appraisal. Is securing a mortgage the only reason to acquire an appraisal? Are there also situations when the services of a licensed, independent real estate professional could come in handy? Of course.
Challenge your tax assessment in Bingham County
If you are in an area where the property value has depreciated, 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 equipped to assist you in appealing your tax assessment.
Remove PMI to lower your mortgage payment
When the amount being loaned to the homeowneris more than 80% of the actual value of the real estate, almost all lenders ask buyers to take out this extra insurance plan. That policy is Private Mortgage Insurance, or PMI. Most often, this additional payment is folded into the monthly mortgage payment and is quickly forgotten. This is bad because PMI is unnecessary when the leftover balance of the loan - whether through market appreciation or principal pay down - decreases below the 80% mark. 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.
(208) 782-0233 can provide you with a statement regarding the value of your home, and the price you paid for the appraisal can generally be offset in little time because you'll no longer be paying the PMI.
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Get a fair valuation on a home take make a divorce settlement less stressful
A divorce is often complicated by the burdensome decision of who maintains the property, and it can be a very traumatic event for both parties. It's a good idea to order an appraisal from (208) 782-0233 so both parties are completely aware of the true market value of their home, regardless of the situation.
The parties will have a clearer picture of what price to set, if they want to sell the home. And if a "buyout" is the chosen option, both parties will feel like they've gotten a fair assessment.
Ascertain a fair and accurate valuation for estate liquidation
Losing a loved one is a painful time in life, and settling an estate from a death, or probate, often entails an appraisal to establish Fair Market Value for the real estate involved. We ensure 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 wealthy individuals, most Americans do not have dedicated estate planners or executors to manage these matters. And since a home or other property often makes up an unequal share of the total estate value, understanding the true value of the real estate at hand is of significant importance to ensuring disputing parties walk away knowing they've gotten a fair deal.
Move to or from Bingham County for work
Employee relocation is a stressful event, and we understand. We take great care in organizing an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide feedback on the positive aspects of their property, as well as information about any current sales or listings in their neighborhood that they want considered during our intensive inspection.
Sell your home promptly — at an accurate price
A professional appraisal will help you make a better educated 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. An appraiser has no vested interest in what amount the house sells for, apart from real estate agents. Our fees aren't related to the sales price, but rather they are based on our efforts to complete the appraisal report.
We determine the difference in value items like an extra bathroom or a kitchen remodel can make on a daily basis. Seeking a professional appraisal is a trusted way to decide 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 properties are one the market.