Reasons someone would need Appraisal Service and Solutions, LLC

Thousands of people in Missouri purchase, sell or refinance their home every month. Most of these transactions involve a simple line item for an appraisal. Almost all lenders still need a local expert because the stakes are so high, even though there are a budding number of automated home valuation systems that might appear more cost-effective than an appraisal. You might think that securing a mortgage is the only reason to get an appraisal, but there are additional instances when the services of a licensed, independent real estate professional might be helpful.

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Challenge your tax assessment in Barton County

If you reside in an area where property values have declined, it's possible you're paying too much in property taxes. When building your case, an appraisal from Appraisal Service and Solutions, LLC is your best evidence. At Appraisal Service and Solutions, LLC, we're equipped to assist you in challenging your tax assessment.

How can you eliminate PMI to lower your mortgage payment?

Private Mortgage Insurance, or PMI, is an added insurance plan that many lenders ask homeowners to buy when the amount being loaned to the homebuyer is more than 80% of the actual value of the real estate. This added payment is often lumped into the monthly mortgage payment and is promptly forgotten. This is damaging because PMI isn't necessary when the leftover balance of the loan - whether through market appreciation or principal pay down - falls below the 80% level. In fact, the Homeowners Protection Act (HPA) of 1998 was implemented by the United States Congress requiring lenders to eliminate the PMI installments when the balance is paid down to 78% of the original value.

If you'd like to get rid of PMI, Appraisal Service and Solutions, LLC will give you a statement regarding the value of your home. The price you paid for the home valuation can usually be offset in just a few months because you'll no longer be paying the PMI.

Divorce settlement with less stress

A divorce is often complicated by the challenging decision of who keeps the home, and it can be an especially heartbreaking event for both parties. Regardless of the situation, it's prudent to order an appraisal from Appraisal Service and Solutions, LLC so both parties are entirely aware of the true market value of their home.

The parties will have a clearer picture of what price to set, if they need to sell the home. And if a "buyout" is the chosen option, both parties will feel like they've gotten a fair assessment.

Settling an estate with peace of mind

The loss of 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 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 do not have dedicated estate planners or executors to manage these matters, unlike wealthier individuals. A home or other property often makes up an uneven share of the total estate value, so understanding the true value of the real estate at hand is of vital importance to ensuring disputing parties leave knowing they've gotten an honest deal.

Appraisal Service and Solutions, LLC can assist you in relocating to or from Barton County

We are aware of the headaches associated with an employee relocation. We take great care in organizing a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide input on the positive features of their property, as well as information regarding any current sales or listings in their neighborhood that they want considered during our detailed process.

Selling your home quickly at the right price

Whether you choose to sell your home on your own or use the assistance of a real estate agent, a professional appraisal can help you make a better educated decision regarding your asking price. With much different interests than a real estate agent, an appraiser has no vested interest in what price the house sells for. Our fees are derived from our efforts to perform the appraisal report and not a percentage of the sales price.

On a daily basis, we analyze the difference in value things like an extra bathroom or a kitchen remodel can make. Seeking a professional appraisal is a reliable 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 an unnecessarily long time - because we're experts in knowing how long properties stay on the market.