Let Crescent Appraisal Group, Inc. serve your appraisal needs
To many, an appraisal just looks like one more thing on the break-sheet for a mortgage or refinance. Nearly all lenders still need a local expert because the stakes are so high, even though there are a developing number of automated home valuation methods that might appear cheaper than an appraisal. Is securing a mortgage the only reason to get an appraisal? Are there other cases when the services of a licensed, independent real estate professional might be helpful? Of course there are.
Challenge your tax assessment in Jefferson County
If you reside in an area where property values have depreciated, it's possible you're paying too much in property taxes. When building your case, an appraisal from us is your best evidence. We're qualified to assist you in challenging your tax assessment.
Eliminate PMI to lower your mortgage payment
Private Mortgage Insurance, or PMI, is a supplemental insurance plan that many lenders ask homeowners to buy when the amount being loaned to the homebuyer is more than 80% of the actual value of the property. This extra payment is often bundled into the monthly mortgage payment and is soon forgotten. PMI isn't necessary when the remainder of the loan - whether through market appreciation or principal pay down - goes below the 80% level, making this very unfortunate. In fact, the Homeowners Protection Act (HPA) of 1998 was passed by the United States Congress that requires lenders to eliminate the PMI installments when the loan-to-value ratio conditions have been met.
Crescent Appraisal Group, Inc. can produce a statement regarding the value of your home, and the price you paid for the appraisal can usually be recovered in a short amount of time because you'll no longer be paying the PMI.
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Settle a divorce with fewer hang-ups
A divorce can be a very horrible experience for both parties, and it is often even more complicated by the burdensome decision of who maintains the house. It's a good idea to get an appraisal from Crescent Appraisal Group, Inc. so both parties are entirely aware of the true market value of their home, regardless of the circumstances.
The parties will have a better idea of what price to set, if they need to sell the home. And on the flip side, 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 liquidation
Losing a loved one is a hard 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 fullest 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 manage these affairs. And since a home or other property often makes up a disproportionate share of the total estate value, understanding the true worth of the real estate at hand is of significant importance to ensuring disputing parties walk away knowing they've received an honest deal.
Relocate to or from Jefferson County for work
Employee relocation is a stressful event, and we understand. That's why we take great care in setting up an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide remarks on the positive attributes of their property, as well as information about any recent sales or listings in their neighborhood that they want considered during our detailed inspection.
Close on your home quickly — at an accurate price
Whether you want to sell your home on your own or use the assistance of a real estate agent, a professional appraisal can help you make a more informed decision when determining your selling price. An appraiser has no vested interest in what price the house sells for, unlike real estate agents. Our fees rest on our efforts to finish the appraisal report and and aren't related to the sales price.
We examine the difference in value things like an extra bathroom or a kitchen remodel can make on a daily basis. Obtaining a professional appraisal is a trusted way to decide what improvements will add value and what an appropriate 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 properties stay on the market.