Reasons to order an appraisal from Schwab Appraisal LLCThousands of people in Idaho buy, sell or refinance their home each month. Most of these transactions consist of a simple line item for an appraisal. And while there are a budding number of automated home valuation systems that may appear less expensive than an appraisal, almost all lenders still want a local expert because the stakes are so high. You might assume that obtaining a mortgage is the only reason you should get an appraisal, but there are more times when the services of a licensed, independent real estate professional might be helpful. 
Contest your tax assessmentIt's probable you're paying too much in property taxes if you reside in an area where property values have depreciated. Ad Valorem taxes are determined by a previous assessment of your real estate, so if values have declined in your area, you can challenge your assessment and save money. When building your case, an appraisal from us is your best evidence. We can assist you in challenging your tax assessment. Getting rid of your PMI for mortgage paymentsPrivate Mortgage Insurance, or PMI, is an added insurance policy that most lenders ask homeowners to buy when the amount being loaned to the home buyer is more than 80% of the actual value of the home. This additional payment is often bundled into the monthly mortgage payment and is soon forgotten. This is bad because PMI isn't necessary when the leftover balance of the loan - whether through market appreciation or principal pay down - dips below the 80% level. In fact, the Homeowners Protection Act (HPA) of 1998 was invoked by the United States Congress that requires lenders to dismiss the PMI payments when the loan-to-value ratio conditions have been met. If you'd like to eliminate PMI, Schwab Appraisal LLC can provide you with a statement regarding the value of your home. The price you paid for the home valuation can often be regained in a short amount of time because you'll no longer be paying the PMI. Order your appraisal from Schwab Appraisal LLC today Order todayGet a clear valuation on a home take make a divorce settlement less stressfulA divorce is often complicated by the troublesome decision of who keeps the home, and it can be an especially horrible occurrence for both parties. Regardless of the circumstances, it's a good idea to order an appraisal from Schwab Appraisal LLC 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 better idea of what price to set. And if a "buyout" is the chosen option, both parties will feel like they've gotten a fair assessment. Determine a fair and accurate valuation for estate liquidationThe death of a loved one is a painful 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. We guarantee the utmost degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP). Unlike wealthier individuals, most Americans do not have dedicated estate planners or executors to manage these matters. A home or other property often makes up an unequal share of the total estate value, so understanding the true value of the real estate at hand is of significant importance to ensuring disputing parties leave knowing they've gotten a fair deal. Move to or from Kootenai County for workWe are aware of the headaches associated with an employee relocation. That's why we take great care in establishing an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide feedback on the positive characteristics of their property, as well as information about any recent sales or listings in their neighborhood that they want considered during our intensive inspection. Close on your home quickly — at an accurate priceA professional appraisal will help you make a more informed decision regarding your selling price, whether you choose to sell your home on your own or use the assistance of a real estate agent. An appraiser has no vested interest in what price the house sells for, apart from real estate agents. Our fees aren't related to the sales price, but rather they are calculated 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 decide 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 stay on the market. 
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