Reasons to order an appraisal from Richard Bell Appraisal Services & Consulting

To many, an appraisal just looks like one more thing in the long list of items for a home purchase or refinance. And while there are an increasing number of automated home valuation processes that might seem more practical than an appraisal, nearly all lenders still call in a local expert because the stakes are so high. But is obtaining a mortgage the only basis for getting an appraisal? Are there additional cases when the services of a licensed, independent real estate professional could come in handy? You bet there are.

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Let Richard Bell Appraisal Services & Consulting help you appeal your tax assessment in Canyon County

If you live in an area where the value of property has declined, it's possible you're paying too much in property taxes. An appraisal from Richard Bell Appraisal Services & Consulting is your best evidence when building your case. We're qualified to assist you in challenging your tax assessment.

Richard Bell Appraisal Services & Consulting can help you eliminate PMI to lower your mortgage payment

Private Mortgage Insurance, or PMI, is an added insurance plan that nearly all lenders ask buyers to buy when the amount being loaned to the home owner is more than 80% of the actual value of the property. This added payment is often bundled into the monthly mortgage payment and is soon forgotten. This is bad because PMI is no longer required 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 passed a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to do away with the PMI payments when the loan-to-value ratio conditions have been met.

Richard Bell Appraisal Services & Consulting will give you a statement regarding the value of your home, and the price you paid for the home valuation can generally be offset in just a few months because you'll no longer be paying the PMI.

Settling a divorce with less stress with an appraisal from Richard Bell Appraisal Services & Consulting

A divorce is a particularly daunting event for the parties involved, and it is often more complicated by the troublesome decision of who maintains the home. It's a good idea to get an appraisal from Richard Bell Appraisal Services & Consulting so both parties are completely aware of the true market value of their property, regardless of the situation.

If the parties want to sell the home, they'll have a a good idea of what price to set. And if a "buyout" is the chosen option, both parties will feel like they've received a fair evaluation.

Fair and accurate estate liquidation

The loss of a loved one is a painful time in life, and settling an estate from a death, or probate, often calls for an appraisal to establish Market Value for the residential property involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, guaranteeing the maximum degree of discretion.

Unlike wealthier individuals, most Americans don't 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, knowing the true value of the real estate at hand is of vital importance to ensuring disputing parties walk away knowing they've received an honest deal.

Let Richard Bell Appraisal Services & Consulting assist you in relocating to or from Canyon County

We are familiar with the stress involved with an employee relocation. That being said, we take great care in setting up an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide remarks on the positive characteristics of their property, along with information regarding any current sales or listings in their neighborhood that they want considered during our detailed process.

Don't sell out short or keep your home on the market too long.

Whether you choose to sell your home on your own or with the help of a real estate agent, a professional appraisal can help you make a better educated decision regarding your asking price. An appraiser has no vested interest in what amount the house sells for, unlike real estate agents. Our fees are derived from our efforts to finish the appraisal report and not a percentage of the sales price.

We determine the difference in value things like an extra bathroom or a kitchen remodel can make on a daily basis. And we're experts in knowing how long properties are on the market. So, 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 too long, costing you time and money.