Why you should order an appraisalThousands of people in Idaho purchase, sell or refinance their home every month. A lot of these transactions consist of a simple line item for an appraisal. Even though there are a developing number of automated home valuation systems that might seem cheaper than an appraisal, the majority of lenders still call in a local expert because the stakes are incredibly high. You might believe that securing a mortgage is the only reason you should get an appraisal, but there are more times when the services of a certified, independent real estate professional could be beneficial. 
Dispute your tax assessment in Kootenai CountyIt's likely you're paying too much in property taxes if you reside in an area where property values have declined. Property taxes are based upon a past assessment of your home, so if values are less than what they used to be in your neighborhood, you can challenge your assessment and save money. An appraisal from Schwab Appraisal LLC is your best evidence when building your case. We're equipped to assist you in appealing your tax assessment. Get rid of PMI to lower your mortgage paymentPrivate Mortgage Insurance, or PMI, is an additional insurance policy that most lenders ask home owners to purchase when the amount being loaned to the homeowner is more than 80% of the actual value of the home. Oftentimes, this added payment is folded into the monthly mortgage payment and is promptly forgotten. PMI isn't necessary when the leftover balance of the loan - whether through market appreciation or principal pay down - falls below the 80% mark, making this very unfavorable. In fact, the United States Congress invoked a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to eliminate the PMI payments when the loan-to-value ratio conditions have been met. If you'd like to eliminate PMI, Schwab Appraisal LLC can produce a statement regarding the value of your home. The price you paid for the home valuation can generally be recovered in little time because you'll no longer be paying the PMI. Order an appraisal from Schwab Appraisal LLC Order todayGet a fair valuation on a home take make a divorce settlement less stressfulA divorce can be a particularly daunting ordeal for both parties, and it is often further complicated by the difficult decision of who maintains the home. It's a good idea to get an appraisal from Schwab Appraisal LLC so both parties are entirely aware of the true market value of their home, regardless of the situation. The parties will have a clearer picture of what price to set, if they need to sell the home. And if a "buyout" is the chosen option, both parties will feel like they've received a fair evaluation. Fair and accurate estate liquidationThe 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. We ensure the maximum degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP). Unlike many wealthy individuals, most Americans don't have dedicated estate planners or executors to take care of these matters. A home or other property often makes up an unequal share of the total estate value, so knowing the true worth of the real estate at hand is of significant importance to ensuring disputing parties walk away knowing they've received a fair deal. Move to or from Kootenai County through an employee relocation programEmployee relocation can be a stressful event, and we understand. That being said, we take great care in organizing an accommodating appointment time for the appraisal inspection. During our intensive inspection, we recommend relocating employees to provide remarks on the positive aspects of their property, along with information about any new sales or listings in their area that they want considered. Close on your home quickly — for an accurate priceWhether 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 regarding your asking price. Unlike a real estate agent, an appraiser has no vested interest in what price the house sells for. Our fees are based on our efforts to complete the appraisal report and not a percentage of the sales price. On a daily basis, we determine the difference in value items like an additional bathroom or a kitchen remodel can make. And we're experts in knowing how long housesare on the market. So, 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. 
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