Let Central Iowa Appraisers take care of your appraisalThousands of people in Iowa buy, sell or refinance their home each year. Most of these transactions involve an appraisal. Almost all lenders still call for a local expert because the stakes are very high, even though there are a multiplying number of automated home valuation methods that might appear more practical than an appraisal. But is getting a mortgage the only basis for getting an appraisal? Are there also situations when the services of a licensed, independent real estate professional could be beneficial? You bet.
Let Central Iowa Appraisers help you dispute your tax assessment in the areaIf you live in an area where property values have declined, it's possible you're paying too much in property taxes. When building your case, an appraisal from Central Iowa Appraisers is your best evidence. At Central Iowa Appraisers,we can assist you in disputing your tax assessment.
Central Iowa Appraisers can help you do away with PMI to lower your mortgage paymentPrivate Mortgage Insurance, or PMI, is an additional insurance plan that many lenders ask home owners to purchase when the amount being loaned to the home owner is more than 80% of the actual value of the real estate. Seeing that additional payment is usually folded into the monthly mortgage payment, it is often forgotten. PMI becomes unnecessary when the remaining balance of the loan - whether through market appreciation or principal pay down - goes below the 80% mark, making this very unfortunate. In fact, the Homeowners Protection Act (HPA) of 1998 was approved by the United States Congress requiring lenders to remove the PMI installments on most mortgages when the balance is paid down to 78% of the original value.
If you'd like to eliminate PMI, Central Iowa Appraisers can provide you with a statement regarding the value of your home. The price you paid for the appraisal can often be recovered in a short amount of time because you'll no longer be paying the PMI.
Settling a divorce with less stressA divorce can be a very traumatic experience for both parties, and it is often further complicated by the strenuous decision of who maintains the property. So both parties are completely aware of the true market value of their house, it's a good idea to order an appraisal from Central Iowa Appraisers, regardless of the situation.
If the parties need to sell the home, they'll have a better 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.
Trustworthy estate liquidationThe death 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 residential property involved. We ensure 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 many wealthy individuals, most Americans do not have dedicated estate planners or executors to manage these affairs. And seeing that a home or other property often makes up an uneven share of the total estate value, knowing the true value of the real estate at hand is of vital importance to ensuring disputing parties walk away knowing they've received an honest deal.
Central Iowa Appraisers can help you with relocating to or from Polk CountyWe know the headaches associated with an employee relocation. That being said, we take great care in organizing a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide input on the positive features of their property, along with information regarding any current sales or listings in their neighborhood that they want considered during our thorough process.
Let Central Iowa Appraisers assist you in selling your home quickly at the right priceA professional appraisal can help you make a better educated decision when determining your asking 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, unlike real estate agents. Our fees are calculated on our efforts to finish the appraisal report and and aren't related to the sales price.
On a daily basis, we analyze the difference in value things like an additional bathroom or a kitchen remodel can make. Seeking 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.