Let Willamette Valley Appraisal Professionals serve your appraisal needs
To many, an appraisal just looks like one more thing on the break-sheet for a home sale or refinance. And while there are a developing number of automated home valuation methods that may appear to be less expensive than an appraisal, the majority of lenders still need a local expert because the stakes are so high. You might think that getting a mortgage is the only reason to get an appraisal, but there are other cases when the services of a licensed, independent real estate professional might come in handy.
Appeal your tax assessment in Clackamas County
If you reside in an area where the property value has 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 Willamette Valley Appraisal Professionals, we're capable of assisting you in disputing your tax assessment.
Remove PMI to lower your mortgage payment
When the amount being loaned to the buyeris more than 80% of the actual value of the home, nearly all lenders ask buyers to purchase this additional insurance plan. That policy is Private Mortgage Insurance, or PMI. This additional payment is often bundled into the monthly mortgage payment and is soon forgotten. PMI isn't necessary when the remaining balance of the loan - whether through market appreciation or principal pay down - falls below the 80% level, making this very unfavorable. In fact, the Homeowners Protection Act (HPA) of 1998 was passed by the United States Congress requiring lenders to eliminate the PMI installments when the loan-to-value ratio conditions have been met.
Willamette Valley Appraisal Professionals can provide you with a statement regarding the value of your home, and the expense of the appraisal can usually be offset in little time because you'll no longer be paying the PMI.
Order your appraisal from Willamette Valley Appraisal Professionals todayOrder today
Settle a divorce with less stress
A divorce is a very traumatic ordeal for the parties involved, and it is often more complicated by the difficult decision of who keeps the home. So both parties are entirely aware of the true market value of their house, it's a good idea to order an appraisal from Willamette Valley Appraisal Professionals, regardless of the circumstances.
The parties will have a better idea of what price to set, if they wish to sell the home. And if a "buyout" is the chosen option, both parties will feel like they've received a fair assessment.
Fair and accurate estate liquidation
The death of 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 residential property involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, ensuring the highest degree of discretion.
Unlike many wealthy individuals, most Americans don't have dedicated estate planners or executors to handle these issues. And seeing that a home or other property often makes up a disproportionate share of the total estate value, knowing the true value of the real estate at hand is of vital importance to ensuring disputing parties leave knowing they've gotten a fair deal.
Relocate to or from Clackamas County through an employee relocation program
Employee relocation can be a stressful event, and we understand. We take great care in establishing a convenient appointment time for the appraisal inspection. During our intensive inspection, we encourage relocating employees to provide feedback on the positive characteristics of their property, as well as information regarding any new sales or listings in their area that they want considered.
Sell your home quickly — at an accurate price
A professional appraisal can help you make a better educated decision regarding your selling price, whether you choose to sell your home on your own or with the help of a real estate agent. An appraiser has no vested interest in what price the house sells for, unlike real estate agents. Our fees depend on our efforts to finish the appraisal report and not a percentage of the sales price.
We examine the difference in value things like an extra bathroom or a kitchen remodel can make on a daily basis. And we're experts in knowing how long homesare on the market. So, obtaining a professional appraisal is a trusted way to determine 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.