Why you should get an appraisal

To a lot of us, an appraisal is simply a line item on the break-sheet for a home sale or refinance. Even though there are an increasing number of automated home valuation methods that might appear cheaper than an appraisal, most lenders still want a local expert because the stakes are incredibly high. Is getting a mortgage the only reason you should get an appraisal? Are there other instances when the services of a licensed, independent real estate professional might be helpful? You bet.

Let Crowe Appraisals assist you in lowering your mortgage payment

Contest your tax assessment in Oklahoma County

If you are 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 us is your best evidence. We're capable of assisting you in challenging your tax assessment.

Get rid of PMI to lower your mortgage payment

Private Mortgage Insurance, or PMI, is an extra insurance policy that most lenders ask homebuyers to buy when the amount being loaned to the home owner 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 unfavorable because PMI becomes unnecessary when the leftover balance of the loan - whether through market appreciation or principal pay down - dips below the 80% mark. In fact, the Homeowners Protection Act (HPA) of 1998 was implemented by the United States Congress that requires lenders to remove the PMI installments when the loan-to-value ratio conditions have been met.

If you'd like to do away with PMI, Crowe Appraisals will produce a statement regarding the value of your home. The cost of the home valuation can usually be offset in a short amount of time because you'll no longer be paying the PMI.

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Divorce settlement with fewer hang-ups

A divorce is a very daunting event for the parties involved, and it is often further complicated by the troublesome decision of who keeps the property. Regardless of the situation, it's a good idea to order an appraisal from Crowe Appraisals so both parties are fully aware of the true market value of their house.

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

Determine a fair and accurate valuation for estate liquidation

Losing 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 Fair Market Value for the residential property 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).

Unlike wealthy individuals, most Americans don't have dedicated estate planners or executors to manage these affairs. A home or other property often makes up an uneven share of the total estate value, so knowing the true worth of the real estate at hand is of significant importance to ensuring disputing parties walk away knowing they've gotten a fair deal.

Move to or from Oklahoma County for work

Employee relocation can be a stressful event, and we understand. That being said, we take great care in setting up an accommodating appointment time for the appraisal inspection. During our thorough inspection, we suggest relocating employees to provide remarks on the positive attributes of their property, along with information about any recent sales or listings in their neighborhood that they want considered.

Close on your home quickly — for the right price

A 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 a percentage of the sales price, but rather they rest on our efforts to finish the appraisal report.

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 homesstay on the market. So, getting 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.

Let Crowe Appraisals help you sell your home quickly at the right price