Reasons you should order an appraisal from St. Charles/WestPlex Appraisal Services, LLCThousands of people in Missouri buy, sell or refinance their home every month. A lot of these transactions have a simple line item for an appraisal. Nearly all lenders still call for a local expert because the stakes are incredibly high, even though there are an increasing number of automated home valuation processes that might appear less expensive than an appraisal. Is securing a mortgage the only reason to acquire an appraisal? Are there additional cases when the services of a licensed, independent real estate professional might come in handy? Of course. 
Dispute your tax assessmentIt's quite possible you're paying too much in property taxes if you live in an area where property values have depreciated. Ad Valorem taxes are based upon a previous assessment of your real estate, so if values 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 us is your best evidence. We're equipped to assist you in appealing your tax assessment. Removing PMI for mortgage paymentsPrivate 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 property. This added payment is often folded into the monthly mortgage payment and is soon forgotten. PMI is unnecessary when the leftover balance of the loan - whether through market appreciation or principal pay down - falls below the 80% level, making this very unfortunate. In fact, the United States Congress implemented a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to do away with the PMI installments when the loan-to-value ratio conditions have been met. If you'd like to do away with PMI, St. Charles/WestPlex Appraisal Services, LLC will provide you with a statement regarding the value of your home. The price you paid for the home valuation can generally be recovered in a short amount of time because you'll no longer be paying the PMI. Order your appraisal from St. Charles/WestPlex Appraisal Services, LLC today Order todaySettle a divorce with less stressA divorce is an especially horrible ordeal for the parties involved, and it is often even more complicated by the burdensome decision of who keeps the home. Regardless of the circumstances, it's a good idea to get an appraisal from St. Charles/WestPlex Appraisal Services, LLC so both parties are completely aware of the true market value of their property. If the parties wish to sell the home, they'll have a better idea 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 liquidationLosing 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 Fair Market Value for the real estate involved. We ensure the utmost degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP). Unlike wealthier individuals, most Americans do not have dedicated estate planners or executors to handle these issues. And seeing that a home or other property often makes up an unequal share of the total estate value, knowing 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 Saint Charles County for workWe understand the headaches involved with an employee relocation. We take great care in setting up a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide feedback on the positive features of their property, along with information regarding any new sales or listings in their area that they want considered during our thorough inspection. Close on your home promptly — for the right priceWhether you decide to sell your home on your own or with the help of a real estate agent, a professional appraisal will help you make a more informed decision when determining your asking price. Apart from a real estate agent, an appraiser has no vested interest in what price the house sells for. Our fees aren't a percentage of the sales price, but rather they are based on our efforts to finish the appraisal report. We analyze the difference in value items like an extra bathroom or a kitchen remodel can make on a daily basis. Obtaining a professional appraisal is a reliable way to determine what improvements will add value and what a suitable 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 are one the market. 
|
Contact Us
Send us your email and phone number and someone will contact you today.