Why you should get an appraisal from Nate Stowers (435) 512-3755

Every year, thousands of people in Utah buy, sell or refinance their home. Many of these transactions have a simple line item for an appraisal. Most lenders still need a local expert because the stakes are so high, even though there are a budding number of automated home valuation processes that might appear to be more cost-effective than an appraisal. But is getting a mortgage the only basis for getting an appraisal? Are there also cases when the services of a licensed, independent real estate professional could be helpful? You bet.

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Challenge your tax assessment in Cache County

It's quite possible you're paying too much in property taxes if you live in an area where property values have declined. Property taxes are based upon a past assessment of your real estate, so if values are less than what they used to be in your area, you can appeal your assessment and save money. When building your case, an appraisal from Nate Stowers (435) 512-3755 is your best evidence. We're equipped to assist you in challenging your tax assessment.

Nate Stowers (435) 512-3755 can help you eliminate PMI to lower your mortgage payment

Private Mortgage Insurance, or PMI, is an added insurance plan that almost all lenders ask home owners to buy when the amount being loaned to the buyer is more than 80% of the actual value of the property. Oftentimes, this added payment is lumped into the monthly mortgage payment and is promptly forgotten. This is damaging because PMI becomes unnecessary when the remaining balance of the loan - whether through market appreciation or principal pay down - falls below the 80% level. In fact, the United States Congress invoked a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to do away with the PMI installments when the loan-to-value ratio conditions have been met.

If you'd like to get rid of PMI, Nate Stowers (435) 512-3755 can provide you with a statement regarding the value of your home. The expense of the appraisal can generally be regained in just a few months because you'll no longer be paying the PMI.

Settling a divorce with less stress

A divorce is often complicated by the troublesome decision of who maintains the house, and it can be a particularly traumatic ordeal for both parties. Regardless of the circumstances, it's prudent to order an appraisal from Nate Stowers (435) 512-3755 so both parties are completely aware of the true market value of their home.

If the parties need to sell the home, they'll have a a good 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 assessment.

Accurate and fair estate liquidation

The loss of a loved one is a hard time in life, and settling an estate from a death, or probate, often requires an appraisal to establish 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 utmost degree of discretion.

Unlike wealthier individuals, most Americans do not have dedicated estate planners or executors to manage these issues. A home or other property often makes up an uneven share of the total estate value, so understanding the true value of the real estate at hand is of essential importance to ensuring disputing parties leave knowing they've gotten a fair deal.

Relocating to or from Cache County

Moving due to a job change can be a more than just an inconvenience. We know where you're coming from. 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 aspects of their property, along with information regarding any current sales or listings in their neighborhood that they want considered during our thorough process.

Sell your home quickly at the right price

Whether you want to sell your home on your own or use the assistance of a real estate agent, a professional appraisal will help you make a better educated decision regarding your asking price. An appraiser has no vested interest in what price the house sells for, which is different than the interest of real estate agents. Our fees depend on our efforts to complete the appraisal report and and aren't related to the sales price.

We determine 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 trusted 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 properties are one the market.