Let Crowe Appraisals take care of your appraisal needs
To many, an appraisal is simply a line item in the long list of items for a mortgage or refinance. Even though there are an increasing number of automated home valuation methods that may appear to be more economical than an appraisal, most lenders still need a local expert because the stakes are very high. You might believe that securing a mortgage is the only reason you should get an appraisal, but there are more situations when the services of a licensed, independent real estate professional could be beneficial.
Contest your tax assessment in Oklahoma County
It's probable you're paying too much in property taxes if you live in an area where property values have declined. Ad Valorem taxes are based upon a past assessment of your home, so if values are less than what they used to be in your neighborhood, you can challenge your assessment and save money. An appraisal from Crowe Appraisals is your best evidence when building your case. At Crowe Appraisals, we're qualified to assist you in disputing your tax assessment.
PMI removal to lower your mortgage payment
Private Mortgage Insurance, or PMI, is a supplemental insurance policy that many lenders ask home buyers to buy when the amount being loaned to the homeowner is more than 80% of the actual value of the real estate. Seeing that extra payment is usually bundled into the monthly mortgage payment, it is often forgotten. PMI isn't necessary when the remaining balance of the loan - whether through market appreciation or principal pay down - goes below the 80% level, making this very unfavorable. In fact, the United States Congress passed a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to do away with the PMI payments when the loan-to-value ratio conditions have been met.
Crowe Appraisals can give you a statement regarding the value of your home, and the expense of the home valuation can usually be regained in just a few months because you'll no longer be paying the PMI.
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Settle a divorce with less stress
A divorce is an especially daunting experience for the parties involved, and it is often more complicated by the troublesome decision of who gets the home. Regardless of the circumstances, it's a good idea to get an appraisal from Crowe Appraisals so both parties are fully aware of the true market value of their property.
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 received a fair evaluation.
Ascertain an accurate and fair valuation for estate liquidation
The loss 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 Fair Market Value for the real estate involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, ensuring the highest degree of discretion.
Unlike wealthy individuals, most Americans do not have dedicated estate planners or executors to manage these matters. A home or other property often makes up an unequal share of the total estate value, so understanding the true worth of the real estate at hand is of vital importance to ensuring disputing parties leave knowing they've received a fair deal.
Relocate to or from Oklahoma County through an employee relocation program
We understand the stress associated with an employee relocation. That's why we take great care in establishing a convenient appointment time for the appraisal inspection. During our detailed inspection, we recommend relocating employees to provide feedback on the positive features of their property, along with information regarding any new sales or listings in their neighborhood that they want considered.
Sell your home quickly — at an accurate price
A professional appraisal will help you make a better educated decision when determining your selling price, whether you choose to sell your home on your own or with the help 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.
On a daily basis, we analyze the difference in value items like an additional bathroom or a kitchen remodel can make. And we're experts in knowing how long housesare on the market. So, getting a professional appraisal is a reliable way to decide 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.