Why you should get an appraisal from Owens Appraisal Service LLC

To a lot of us, an appraisal just looks like one more thing on the settlement sheet for a mortgage or refinance. Almost all lenders still call for a local expert because the stakes are very high, even though there are a budding number of automated home valuation systems that might appear to be cheaper than an appraisal. But is obtaining a mortgage the only reason you should get an appraisal? Are there more cases when the services of a certified, independent real estate professional might come in handy? Of course there are.


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Let Owens Appraisal Service LLC help you challenge your tax assessment in Sandoval County

If you live in an area where property values have depreciated, it's possible you're paying too much in property taxes. An appraisal from Owens Appraisal Service LLC is your best evidence when building your case. At Owens Appraisal Service LLC, we're capable of assisting you in disputing your tax assessment.

Let Owens Appraisal Service LLC assist you in lowering your mortgage payment

When the amount being loaned to the homeowner is more than 80% of the actual value of the home, most lenders ask home buyers to purchase an added insurance plan. That policy is Private Mortgage Insurance, or PMI. This additional payment is often bundled into the monthly mortgage payment and is soon forgotten. PMI is no longer required when the leftover balance of the loan - whether through market appreciation or principal pay down - dips below the 80% mark, making this very unfortunate. In fact, the Homeowners Protection Act (HPA) of 1998 was approved by the United States Congress that requires lenders to dismiss the PMI payments when the balance is paid down to 78% of the original value.

If you'd like to do away with PMI, Owens Appraisal Service LLC will give you a statement regarding the value of your home. The cost of the appraisal can generally be recovered in a short amount of time because you'll no longer be paying the PMI.

Settling a divorce with less stress

A divorce can be a very daunting experience for both parties, and it is often more complicated by the troublesome decision of who keeps the house. So both parties are fully aware of the true market value of their house, it's a good idea to order an appraisal from Owens Appraisal Service LLC, regardless of the circumstances.

If the parties need 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 received a fair evaluation.

Settling an estate with peace of mind

The death of a loved one is a difficult time in life, and settling an estate from a death, or probate, often requires an appraisal to establish Market Value for the real estate 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 many wealthy individuals, most Americans don't have dedicated estate planners or executors to handle 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 vital importance to ensuring disputing parties leave knowing they've received an honest deal.

Let Owens Appraisal Service LLC assist you in relocating to or from Sandoval County

We know the headaches involved with an employee relocation. That being said, we take great care in organizing 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 regarding any new sales or listings in their area that they want considered during our detailed process.

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

A 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 with the help of a real estate agent. Separate from a real estate agent, an appraiser has no vested interest in what amount the house sells for. Our fees are derived from our efforts to complete the appraisal report and not a percentage of the sales price.

On a daily basis, we examine the difference in value items like an extra bathroom or a kitchen remodel can make. And we're experts in knowing how long homes stay on the market. So, seeking a professional appraisal is a reliable way to determine 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.