Reasons to choose an appraisal from KS AppraisalTo many, an appraisal just looks like one more thing on the break-sheet for a home purchase or refinance. Even though there are an increasing number of automated home valuation systems that might appear cheaper than an appraisal, almost all lenders still call in a local expert because the stakes are very high. You might assume that obtaining a mortgage is the only basis for getting an appraisal, but there are other times when the services of a certified, independent real estate professional might be helpful. 
Challenge your tax assessmentIt's likely you're paying too much in property taxes if you reside in an area where property values have depreciated. Property taxes are determined by a previous assessment of your house, so if values are less than what they used to be in your area, you can challenge your assessment and save money. When building your case, an appraisal from us is your best evidence. We can assist you in disputing your tax assessment. Remove PMI to lower your mortgage paymentPrivate Mortgage Insurance, or PMI, is an added insurance policy that most lenders ask homebuyers to buy when the amount being loaned to the homebuyer is more than 80% of the actual value of the property. Most often, this additional payment is lumped into the monthly mortgage payment and is quickly forgotten. This is unfavorable because PMI isn't required when the remaining balance of the loan - whether through market appreciation or principal pay down - dips below the 80% level. In fact, the United States Congress invoked a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to eliminate the PMI payments when the loan-to-value ratio conditions have been met. If you'd like to do away with PMI, KS Appraisal will produce a statement regarding the value of your home. The expense of the home valuation can often be offset in a short amount of time because you'll no longer be paying the PMI. Order your appraisal from KS Appraisal today Order todayGet a fair valuation on a home for divorce settlementsA divorce is a very traumatic event for the parties involved, and it is often further complicated by the hard decision of who keeps the home. Regardless of the situation, it's a good idea to get an appraisal from KS Appraisal so both parties are entirely aware of the true market value of their property. The parties will have a better idea of what price to set, if they want to sell the home. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've received a fair assessment. Accurate and fair estate liquidationThe death of a loved one is a difficult time in life, and settling an estate from a death, or probate, often entails an appraisal to establish Fair 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). Unlike wealthy individuals, most Americans don't have dedicated estate planners or executors to take care of these issues. And seeing that a home or other property often makes up an unequal share of the total estate value, understanding the true worth of the real estate at hand is of significant importance to ensuring disputing parties walk away knowing they've received an honest deal. Relocate to or from Maricopa County for workWe understand the headaches involved with an employee relocation. That being said, we take great care in setting up an accommodating appointment time for the appraisal inspection. During our thorough inspection, we encourage relocating employees to provide input on the positive characteristics of their property, as well as information about any recent sales or listings in their neighborhood that they want considered. Sell your home promptly — for the right priceWhether 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 selling price. Apart from a real estate agent, an appraiser has no vested interest in what price the house sells for. Our fees depend 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 things like an extra bathroom or a kitchen remodel can make. 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, because we're experts in knowing how long homes stay on the market. 
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