Let Independent Appraisal Co. handle your appraisal

Thousands of people in Nebraska purchase, sell or refinance their home every month. Many of these transactions contain a simple line item for an appraisal. Even though there are a growing number of automated home valuation systems that may appear to be more prudent than an appraisal, the majority of lenders still want a local expert because the stakes are incredibly high. But is securing a mortgage the only reason to acquire an appraisal? Are there also times when the services of a licensed, independent real estate professional might come in handy? Of course there are.

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Dispute your tax assessment in Buffalo County

It's probable you're paying too much in property taxes if you live in an area where property values have depreciated. Ad Valorem taxes are determined by a past assessment of your real estate, so if prices are less than what they used to be in your neighborhood, you can challenge your assessment and save money. When building your case, an appraisal from Independent Appraisal Co. is your best evidence. At Independent Appraisal Co., we're qualified to assist you in appealing your tax assessment.

Independent Appraisal Co. can help you eliminate PMI to lower your mortgage payment

Private Mortgage Insurance, or PMI, is an additional insurance plan that almost all lenders ask buyers to purchase when the amount being loaned to the home owner is more than 80% of the actual value of the property. More often than not, this extra payment is lumped into the monthly mortgage payment and is promptly forgotten. PMI isn't necessary when the remaining balance of the loan - whether through market appreciation or principal pay down - dips below the 80% mark, making this very unfortunate. In fact, the Homeowners Protection Act (HPA) of 1998 was implemented by the United States Congress requiring lenders to dismiss the PMI payments when the balance is paid down to 78% of the original value.

Independent Appraisal Co. will produce a statement regarding the value of your home, and the cost of the appraisal can often be recovered in just a few months because you'll no longer be paying the PMI.

Settling a divorce with less stress

A divorce is a particularly heartbreaking event for the parties involved, and it is often further complicated by the challenging decision of who maintains the home. So both parties are entirely aware of the true market value of their property, it's a good idea to order an appraisal from Independent Appraisal Co., regardless of the circumstances.

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

Accurate and fair estate liquidation

Losing a loved one is a hard time in life, and settling an estate from a death, or probate, often entails 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 fullest degree of discretion.

Most Americans don't have dedicated estate planners or executors to handle these matters, unlike many wealthy individuals. And since a home or other property often makes up an uneven share of the total estate value, understanding the certain value of the real estate at hand is of essential importance to ensuring disputing parties walk away knowing they've received an honest deal.

Let Independent Appraisal Co. help you with relocating to or from Buffalo County

We are familiar with the stress involved with an employee relocation. That being said, we take great care in organizing a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide input on the positive features of their property, as well as information about any recent sales or listings in their area that they want considered during our detailed process.

Selling your home quickly at the right price

Whether you want to sell your home on your own or with the help of a real estate agent, a professional appraisal will help you make a better educated decision when determining your selling price. Separate 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 perform the appraisal report and not a percentage of the sales price.

We examine the difference in value items like an additional bathroom or a kitchen remodel can make on a daily basis. Seeking 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 - because we're experts in knowing how long houses stay on the market.