Reasons to get an appraisal from Independent Valuation Services

To many, an appraisal is simply a line item in the long list of items for a mortgage or refinance. And while there are an increasing number of automated home valuation systems that might seem cheaper than an appraisal, nearly all lenders still call for a local expert because the stakes are very high. You might assume that obtaining a mortgage is the only reason to get an appraisal, but there are other instances when the services of a certified, independent real estate professional might come in handy.

Let Independent Valuation Services assist you in lowering your mortgage payment

Contest your tax assessment in Scott County

If you reside in an area where the property value has depreciated, it's possible you're paying too much in property taxes. When building your case, an appraisal from us is your best evidence. We're capable of assisting you in disputing your tax assessment.

PMI removal to reduce a mortgage payment

Private Mortgage Insurance, or PMI, is an extra insurance policy that most lenders ask homeowners to buy when the amount being loaned to the home owner is more than 80% of the actual value of the real estate. Most often, this additional payment is lumped into the monthly mortgage payment and is promptly forgotten. This is unfortunate because PMI is unnecessary when the remaining 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 remove the PMI installments when the loan-to-value ratio conditions have been met.

Independent Valuation Services can provide you with a statement regarding the value of your home, and the cost of the appraisal can often be offset in little time because you'll no longer be paying the PMI.

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Get a clear valuation on a home take make a divorce settlement less stressful

A divorce can be an especially daunting event for both parties, and it is often more complicated by the hard decision of who gets the property. It's a good idea to order an appraisal from Independent Valuation Services so both parties are fully aware of the true market value of their property, 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 received a fair assessment.

Fair and accurate estate liquidation

The death of a loved one is a hard 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. We guarantee the fullest degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).

Most Americans don't have dedicated estate planners or executors to handle these issues, unlike many wealthy individuals. A home or other property often makes up an unequal share of the total estate value, so knowing the true value of the real estate at hand is of significant importance to ensuring disputing parties leave knowing they've gotten a fair deal.

Relocate to or from Scott County through an employee relocation program

We understand the stress involved with an employee relocation. We take great care in establishing an accommodating appointment time for the appraisal inspection. During our thorough inspection, we encourage relocating employees to provide input on the positive attributes of their property, along with information about any new sales or listings in their neighborhood that they want considered.

Sell your home promptly — at the right price

A professional appraisal will help you make a better educated decision when determining your asking price, whether you decide to sell your home on your own or use the assistance of a real estate agent. An appraiser has no vested interest in what price the house sells for, unlike real estate agents. Our fees are based on our efforts to finish the appraisal report and not a percentage of the sales price.

On a daily basis, we analyze the difference in value items like an extra bathroom or a kitchen remodel can make. Seeking 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.

Let Independent Valuation Services help you sell your home quickly at the right price