Reasons to order an appraisal from 360 Appraisal Inc.Thousands of people in Colorado purchase, sell or refinance their home every month. Many of these transactions involve a simple line item for an appraisal. Most lenders still call in a local expert because the stakes are very high, even though there are a multiplying number of automated home valuation methods that may appear to be more practical than an appraisal. But is securing a mortgage the only reason to acquire an appraisal? Are there also instances when the services of a certified, independent real estate professional might come in handy? Sure there are!
360 Appraisal Inc. can give you the tools to appeal your tax assessment in La Plata, Archuleta or Montezuma CountyIt's likely you're paying too much in property taxes if you reside in an area where property values have decreased. Are values in your area decreasing? A professional appraisal is the only way to find out for sure. Property taxes are based upon a past assessment of your real estate, so if prices have gone down in your area, you can appeal your assessment and save money. When building your case, an appraisal from 360 Appraisal Inc. is your best evidence. At 360 Appraisal Inc., we're ready to assist you in appealing your tax assessment. Eliminate PMI to lower your mortgage paymentPrivate Mortgage Insurance, or PMI, is a supplemental insurance plan that nearly all lenders ask home buyers to purchase when the amount being loaned to the buyer is more than 80% of the actual value of the home. Since the extra payment is usually folded into the monthly mortgage payment, it is often forgotten. This is bad because PMI is no longer required when the remainder of the loan - whether through market appreciation or principal pay down - falls below the 80% mark. In fact, the Homeowners Protection Act (HPA) of 1998 was implemented by the United States Congress that requires lenders to dismiss the PMI installments when the balance is paid down to 78% of the original value.360 Appraisal Inc. can give you a statement regarding the value of your home, and the cost of the home valuation can generally be regained in little time because you'll no longer be paying the PMI. Divorce settlement with less stressA divorce can be an especially daunting experience for both parties, and it is often more complicated by the burdensome decision of who maintains the property. Regardless of the situation, it's a good idea to order an appraisal from 360 Appraisal Inc. so both parties are fully aware of the true market value of their home.The parties will have a good idea of what price to set, if they wish to sell the home. And if a "buyout" is the chosen option, both parties can feel confident they've received an equitable split. Settling an estate with peace of mindThe death of a loved one is a difficult time in life, and settling an estate from a death, or probate, often requires an appraisal to establish Market Value for the real estate involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, guaranteeing the utmost degree of discretion.Most Americans do not have dedicated estate planners or executors to manage these issues. A home or property often amounts to the lion's share of the total estate, so knowing the honest value of the real estate in question can be of vital importance to ensure disputing parties know they've gotten their fair portion of the estate. Relocating to or from Southwest ColoradoEmployee relocation is a stressful event, and we understand. That's why we take great care in establishing a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide remarks on the positive attributes of their property, along with any questions about nearby property values, market trends and the appraisal process.Sell your home quickly at the right priceA professional appraisal will help you make a better educated decision when determining your selling 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 price the house sells for, unlike real estate agents. Our fees are calculated on our efforts to complete the appraisal report and and aren't related to the sales price in any way.On a daily basis, we analyze the difference in value things like an extra bathroom or a kitchen remodel can make. Obtaining a professional appraisal is a trusted way to determine 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 homes are on the market. |
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