Getting an appraisal from Kirby Appraisers, LLCTo a lot of people, an appraisal just looks like one more thing in the long list of items for a mortgage or refinance. Most lenders still need a local expert because the stakes are incredibly high, even though there are an increasing number of automated home valuation methods that may appear to be more economical than an appraisal. You might think that obtaining a mortgage is the only reason to acquire an appraisal, but there are other situations when the services of a licensed, independent real estate professional could be beneficial.
Let Kirby Appraisers, LLC help you challenge your tax assessment in Jefferson CountyIf you live in an area where the value of property has declined, it's possible you're paying too much in property taxes. When building your case, an appraisal from Kirby Appraisers, LLC is your best evidence. At Kirby Appraisers, LLC, we're qualified to assist you in disputing your tax assessment.How can you get rid of PMI to lower your mortgage payment?When the amount being loaned to the home owner is more than 80% of the actual value of the property, nearly all lenders ask buyers to purchase an supplemental insurance policy. That policy is Private Mortgage Insurance, or PMI. Most often, this extra payment is lumped into the monthly mortgage payment and is quickly forgotten. PMI isn't required when the remaining balance of the loan - whether through market appreciation or principal pay down - dips below the 80% level, making this very unfavorable. In fact, the United States Congress implemented a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to dismiss the PMI installments when the loan-to-value ratio conditions have been met.Kirby Appraisers, LLC will produce a statement regarding the value of your home, and the cost of the home valuation can generally be recovered in little time because you'll no longer be paying the PMI. Divorce settlement with less stressA divorce can be a very daunting event for both parties, and it is often further complicated by the burdensome decision of who maintains the property. Regardless of the situation, it's prudent to order an appraisal from Kirby Appraisers, LLC so both parties are completely aware of the true market value of their house.The parties will have a a good idea of what price to set, if they wish to sell the home. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've gotten a fair assessment. Trustworthy estate liquidationLosing a loved one is a hard 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. We ensure the utmost 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 don't have dedicated estate planners or executors to handle these matters. A home or other property often makes up an unequal 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. Let Kirby Appraisers, LLC help you with relocating to or from Jefferson CountyWe know the stress involved with an employee relocation. That's why we take great care in setting up an accommodating appointment time for the appraisal inspection. During our thorough process, we suggest employees that are moving to provide input on the positive features of their property, along with information about any new sales or listings in their area that they want considered.Selling 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 with the help of a real estate agent. Unlike a real estate agent, an appraiser has no vested interest in what amount the house sells for. Our fees aren't contingent upon the value we report, but rather they rest on our efforts to finish the appraisal.On a daily basis, we analyze the difference in value items like an extra bathroom or a kitchen remodel can make. Obtaining a professional appraisal is a trusted 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. |