Let Barnes Appraisal Company handle your appraisal needs
To a lot of us, an appraisal is simply one more thing in the long list of items for a mortgage or refinance. Practically all lenders still want a local expert because the stakes are incredibly high, even though there are a multiplying number of automated home valuation processes that may seem less expensive than an appraisal. You might assume that securing a mortgage is the only basis for getting an appraisal, but there are additional times when the services of a certified, independent real estate professional might be helpful.
Appeal your tax assessment in Comanche County
It's probable you're paying too much in property taxes if you live in an area where property values have declined. Property taxes are determined by a past assessment of your real estate, so if values have gone down in your area, you can appeal your assessment and save money. An appraisal from Barnes Appraisal Company is your best evidence when building your case. We can assist you in challenging your tax assessment.
PMI removal to lower a mortgage payment
When the amount being loaned to the homebuyeris more than 80% of the actual value of the property, almost all lenders ask homeowners to take out this extra insurance policy. That policy is Private Mortgage Insurance, or PMI. This extra payment is often bundled into the monthly mortgage payment and is quickly forgotten. PMI isn't necessary when the remainder of the loan - whether through market appreciation or principal pay down - decreases below the 80% mark, making this very unfortunate. In fact, the United States Congress invoked a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to eliminate the PMI payments when the loan-to-value ratio conditions have been met.
If you'd like to eliminate PMI, Barnes Appraisal Company will give you a statement regarding the value of your home. The price you paid for the home valuation can generally be regained in just a few months because you'll no longer be paying the PMI.
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Divorce settlement with fewer hang-ups
A divorce is an especially traumatic experience for the parties involved, and it is often even more complicated by the troublesome decision of who gets the house. Regardless of the situation, it's a good idea to order an appraisal from Barnes Appraisal Company so both parties are entirely aware of the true market value of their house.
If the parties need 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.
Determine an accurate and fair valuation for estate liquidation
The loss of a loved one is a difficult time in life, and settling an estate from a death, or probate, often entails 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 fullest degree of discretion.
Most Americans don't have dedicated estate planners or executors to manage these matters, unlike wealthy individuals. A home or other property often makes up an uneven share of the total estate value, so knowing the true worth of the real estate at hand is of vital importance to ensuring disputing parties leave knowing they've received an honest deal.
Move to or from Comanche County through an employee relocation program
We know the headaches involved with an employee relocation. We take great care in organizing an accommodating appointment time for the appraisal inspection. During our thorough inspection, we suggest relocating employees to provide input on the positive aspects of their property, along with information about any new sales or listings in their neighborhood that they want considered.
Sell your home promptly — at an accurate 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 asking price. An appraiser has no vested interest in what price the house sells for, apart from real estate agents. Our fees aren't a percentage of the sales price, but rather they are based on our efforts to complete the appraisal report.
We determine the difference in value items like an extra bathroom or a kitchen remodel can make on a daily basis. And we're experts in knowing how long propertiesare on the market. So, getting 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.