Let CERTIFIED APPRAISAL SERVICES handle your appraisal

To many, an appraisal is simply a line item on the break-sheet for a home sale or refinance. And even though there are an increasing number of automated home valuation methods that might appear to be more economical than an appraisal, practically all lenders still need a local expert because the stakes are incredibly high. But is securing a mortgage the only reason to acquire an appraisal? Are there other cases when the services of a certified, independent real estate professional might be helpful? Of course.


	If you're planning on any transaction where the value of your house is a factor, contact CERTIFIED APPRAISAL SERVICES. Just click here.

Challenge your tax assessment in Crawford County

It's quite possible you're paying too much in property taxes if you live in an area where property values have declined. Ad Valorem taxes are based upon a previous assessment of your house, so if values have gone down in your neighborhood, you can challenge your assessment and save money. An appraisal from CERTIFIED APPRAISAL SERVICES is your best evidence when building your case. At CERTIFIED APPRAISAL SERVICES,we can assist you in appealing your tax assessment.

Eliminating PMI will lower your mortgage payment

Private Mortgage Insurance, or PMI, is an extra insurance policy that many lenders ask homeowners to buy when the amount being loaned to the home owner is more than 80% of the actual value of the real estate. This added payment is often folded into the monthly mortgage payment and is quickly forgotten. This is unfavorable because PMI is unnecessary when the leftover balance of the loan - whether through market appreciation or principal pay down - goes below the 80% level. In fact, the Homeowners Protection Act (HPA) of 1998 was implemented by the United States Congress that requires lenders to dismiss the PMI payments on most mortgages when the balance is paid down to 78% of the original value.

If you'd like to get rid of PMI, CERTIFIED APPRAISAL SERVICES will provide you with a statement regarding the value of your home. The cost of the appraisal can often be offset in little time because you'll no longer be paying the PMI.

Settling a divorce with less stress

A divorce can be a very traumatic experience for both parties, and it is often further complicated by the hard decision of who maintains the house. It's a good idea to order an appraisal from CERTIFIED APPRAISAL SERVICES so both parties are entirely aware of the true market value of their home, regardless of the situation.

If the parties want to sell the home, they'll have a clearer picture of what price to set. And if a "buyout" is the chosen option, both parties will feel like they've gotten a fair evaluation.

Fair and accurate estate liquidation with CERTIFIED APPRAISAL SERVICESSettling an estate

The death of a loved one is a painful time in life, and settling an estate from a death, or probate, often calls for an appraisal to establish Market Value for the residential property involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, guaranteeing the utmost degree of discretion.

Most Americans don't have dedicated estate planners or executors to manage these matters, unlike wealthy individuals. And seeing that a home or other property often makes up a disproportionate share of the total estate value, knowing the precise value of the real estate at hand is of essential importance to ensuring disputing parties walk away knowing they've received an honest deal.

Relocating to or from Crawford County?

Moving due to a job change is a more than just an inconvenience, and we understand. 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 aspects of their property, along with information about any new sales or listings in their neighborhood that they want considered during our intensive process.

Don't sell out for too little or let your home stay on the market too long.

Whether you choose to sell your home on your own or with the help of a real estate agent, a professional appraisal will help you make a more informed decision when determining your asking price. With much different interests than a real estate agent, an appraiser has no vested interest in what price the house sells for. Our fees are derived from our efforts to finish the appraisal report and and aren't related to the sales price.

We examine 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 properties are on the market. So, getting a professional appraisal is a reliable way to decide 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.