Reasons to get an appraisal

To many, an appraisal just looks like one more thing in the long list of items for a mortgage or refinance. Nearly all lenders still want a local expert because the stakes are very high, even though there are a multiplying number of automated home valuation methods that may appear more economical than an appraisal. But is obtaining a mortgage the only reason to get an appraisal? Are there more cases when the services of a certified, independent real estate professional might come in handy? You bet there are.

For real estate appraisals in Des Moines and Polk County, it's easiest when your order online from Accurate Real Estate Appraisal Reports, just click here.

Let Accurate Real Estate Appraisal Reports help you dispute your tax assessment in Polk County

If you live in an area where the value of property has depreciated, it's possible you're paying too much in property taxes. When building your case, an appraisal from Accurate Real Estate Appraisal Reports is your best evidence. At Accurate Real Estate Appraisal Reports,we can assist you in disputing your tax assessment.

How can you do away with PMI to lower your mortgage payment?

When the amount being loaned to the homebuyer is more than 80% of the actual value of the real estate, nearly all lenders ask home buyers to take out an added insurance plan. That policy is Private Mortgage Insurance, or PMI. Since the additional payment is usually bundled into the monthly mortgage payment, it is often forgotten. This is unfavorable because PMI becomes unnecessary when the remainder of the loan - whether through market appreciation or principal pay down - dips below the 80% level. In fact, the Homeowners Protection Act (HPA) of 1998 was passed by the United States Congress requiring lenders to dismiss the PMI installments on most mortgages when the balance is paid down to 78% of the original value.

If you'd like to get rid of PMI, Accurate Real Estate Appraisal Reports will provide you with a statement regarding the value of your home. The cost of the appraisal can often be regained in little time because you'll no longer be paying the PMI.

Settling a divorce with less stress with an appraisal from Accurate Real Estate Appraisal Reports

A divorce is a very daunting ordeal for the parties involved, and it is often more complicated by the strenuous decision of who gets the house. It's a good idea to get an appraisal from Accurate Real Estate Appraisal Reports so both parties are fully aware of the true market value of their home, regardless of the situation.

If the parties want to sell the home, they'll have a clearer picture of what price to set. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've gotten a fair evaluation.

Fair and accurate estate liquidation with Accurate Real Estate Appraisal ReportsSettling an estate

Losing a loved one is a hard time in life, and settling an estate from a death, or probate, often calls for an appraisal to establish Market Value for the residential property involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, ensuring the maximum degree of discretion.

Most Americans do not have dedicated estate planners or executors to take care of these matters, unlike many wealthy individuals. A home or other property often makes up a disproportionate share of the total estate value, so knowing the true value of the real estate at hand is of significant importance to ensuring disputing parties leave knowing they've gotten an honest deal.

Accurate Real Estate Appraisal Reports can assist you in relocating to or from Polk County

We know the stress involved with an employee relocation. That being said, we take great care in establishing an accommodating appointment time for the appraisal inspection. During our detailed process, we suggest relocating employees to provide input on the positive aspects of their property, along with information about any recent sales or listings in their neighborhood that they want considered.

Sell your home quickly at the right price with an appraisal from Accurate Real Estate Appraisal Reports

Whether you decide to sell your home on your own or with the help of a real estate agent, a professional appraisal can help you make a more informed decision when determining your selling price. An appraiser has no vested interest in what amount the house sells for, which is different than the interest of real estate agents. Our fees aren't contingent upon the value opinion we render, but rather they rest on our efforts to complete the appraisal.

On a daily basis, we determine the difference in value things like an extra bathroom or a kitchen remodel can make. And we're experts in knowing how long houses are on the market. So, obtaining a professional appraisal is a trusted 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.