Why you should order an appraisal from KS AppraisalEach year, thousands of people in Arizona buy, sell or refinance their home. A lot of these transactions consist of a simple line item for an appraisal. Practically all lenders still want a local expert because the stakes are so high, even though there are a growing number of automated home valuation systems that may appear more economical than an appraisal. Is obtaining a mortgage the only reason to get an appraisal? Are there also times when the services of a certified, independent real estate professional could be beneficial? You bet there are. 
Contest your tax assessment in Maricopa CountyIf 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. At KS Appraisal, we're qualified to assist you in challenging your tax assessment. Remove PMI to lower your mortgage paymentPrivate Mortgage Insurance, or PMI, is a supplemental insurance plan that most lenders ask home buyers to purchase when the amount being loaned to the home buyer is more than 80% of the actual value of the home. This added payment is often folded into the monthly mortgage payment and is soon forgotten. PMI is no longer required when the remainder of the loan - whether through market appreciation or principal pay down - dips below the 80% level, making this very unfortunate. In fact, the United States Congress passed a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to remove the PMI payments when the loan-to-value ratio conditions have been met. KS Appraisal can give you a statement regarding the value of your home, and the expense of the appraisal can generally be regained in little time because you'll no longer be paying the PMI. Order an appraisal from KS Appraisal Order onlineGet a fair valuation on a home take make a divorce settlement less stressfulA divorce is an especially horrible experience for the parties involved, and it is often further complicated by the troublesome decision of who maintains the property. It's a good idea to order an appraisal from KS Appraisal so both parties are completely aware of the true market value of their house, regardless of the situation. The parties will have a better idea of what price to set, if they want to sell the home. And if a "buyout" is the chosen option, both parties will feel like they've received a fair evaluation. Fair and accurate estate liquidationThe loss of a loved one is a painful 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. Most Americans don't have dedicated estate planners or executors to handle these issues, unlike many wealthy individuals. A home or other property often makes up a disproportionate share of the total estate value, so understanding the true value of the real estate at hand is of significant importance to ensuring disputing parties walk away knowing they've received a fair deal. Relocate to or from Maricopa County for workEmployee relocation is a stressful event, and we understand. That being said, we take great care in setting up a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide remarks on the positive features of their property, as well as information regarding any recent sales or listings in their neighborhood that they want considered during our intensive inspection. Close on your home promptly — at the right priceA professional appraisal will help you make a better educated decision regarding your asking price, whether you want to sell your home on your own or with the help of a real estate agent. An appraiser has no vested interest in what amount the house sells for, apart from real estate agents. Our fees aren't a percentage of the sales price, but rather they are calculated on our efforts to finish the appraisal report. 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, obtaining a professional appraisal is a trusted way to determine 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. 
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