Reasons to choose an appraisal from Kirk AppraisedTo a lot of people, an appraisal is simply another cost in the long list of items for a mortgage or refinance. Almost all lenders still need a local expert because the stakes are so high, even though there are a multiplying number of automated home valuation systems that might appear more prudent than an appraisal. Is obtaining a mortgage the only basis for getting an appraisal? Are there more situations when the services of a certified, independent real estate professional might come in handy? Absolutely. 
Appeal your tax assessmentIt's likely 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 prices are less than what they used to be in your neighborhood, you can appeal your assessment and save money. When building your case, an appraisal from us is your best evidence. We can assist you in disputing your tax assessment. PMI removal to lower your mortgage paymentWhen the amount being loaned to the homebuyeris more than 80% of the actual value of the home, most lenders ask home buyers to purchase this added insurance plan. That policy is Private Mortgage Insurance, or PMI. More often than not, this added payment is folded into the monthly mortgage payment and is promptly forgotten. PMI is unnecessary when the leftover balance of the loan - whether through market appreciation or principal pay down - goes below the 80% mark, making this very unfavorable. In fact, the Homeowners Protection Act (HPA) of 1998 was invoked by the United States Congress that requires lenders to remove the PMI installments when the loan-to-value ratio conditions have been met. If you'd like to do away with PMI, Kirk Appraised can produce a statement regarding the value of your home. The price you paid for the home valuation can usually be regained in little time because you'll no longer be paying the PMI. Order an appraisal from Kirk Appraised Order onlineGet a clear valuation on a home take make a divorce settlement less stressfulA divorce is an especially daunting ordeal for the parties involved, and it is often further complicated by the hard decision of who maintains the property. Regardless of the situation, it's a good idea to order an appraisal from Kirk Appraised so both parties are fully aware of the true market value of their property. If the parties want 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 received a fair assessment. Ascertain an accurate and fair valuation for estate liquidationThe loss of a loved one is a difficult time in life, and settling an estate from a death, or probate, often requires an appraisal to establish Fair Market Value for the real estate involved. We ensure the fullest degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP). Most Americans don't have dedicated estate planners or executors to manage these issues, unlike wealthy individuals. A home or other property often makes up an unequal share of the total estate value, so 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 Tipton County for workWe know the headaches associated with an employee relocation. That being said, we take great care in establishing a convenient appointment time for the appraisal inspection. During our detailed inspection, we recommend relocating employees to provide input on the positive characteristics of their property, along with information regarding any current sales or listings in their area that they want considered. Close on your home quickly — at an accurate priceA professional appraisal will help you make a better educated decision when determining your asking price, whether you want to sell your home on your own or use the assistance of a real estate agent. 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 rest on our efforts to complete the appraisal report. We examine the difference in value items like an additional bathroom or a kitchen remodel can make on a daily basis. Getting a professional appraisal is a reliable 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, because we're experts in knowing how long houses are one the market. 
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