Getting an appraisal from Champagne Appraisal ServicesThousands of people in Pennsylvania buy, sell or refinance their home each month. Many of these transactions have a simple line item for an appraisal. While there are a budding number of automated home valuation methods that might appear more prudent than an appraisal, the majority of lenders still call in a local expert because the stakes are incredibly high. But is obtaining a mortgage the only reason you should get an appraisal? Are there other times when the services of a certified, independent real estate professional could be helpful? Absolutely.
Dispute your tax assessment in Butler CountyIf you reside in an area where property values have declined, it's possible you're paying too much in property taxes. An appraisal from Champagne Appraisal Services is your best evidence when building your case. We're capable of assisting you in appealing your tax assessment.
Let Champagne Appraisal Services help you lower your mortgage paymentWhen the amount being loaned to the homeowner is more than 80% of the actual value of the property, nearly all lenders ask home owners to buy an supplemental insurance policy. That policy is Private Mortgage Insurance, or PMI. Since the added payment is usually lumped into the monthly mortgage payment, it is often forgotten. This is unfavorable because PMI becomes unnecessary when the remainder of the loan - whether through market appreciation or principal pay down - goes below the 80% level. In fact, the United States Congress invoked a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to eliminate the PMI installments when the loan-to-value ratio conditions have been met.
Champagne Appraisal Services can give you a statement regarding the value of your home, and the cost of the appraisal can usually be regained in just a few months because you'll no longer be paying the PMI.
Settling a divorce with less stress with an appraisal from Champagne Appraisal ServicesA divorce can be a very traumatic event for both parties, and it is often further complicated by the challenging decision of who gets the property. So both parties are fully aware of the true market value of their property, it's a good idea to get an appraisal from Champagne Appraisal Services, regardless of the situation.
The parties will have a clearer picture of what price to set, if they want 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.
Accurate and fair estate liquidation with help from Champagne Appraisal ServicesSettling an estateThe loss of a loved one is a hard time in life, and settling an estate from a death, or probate, often entails an appraisal to establish Market Value for the residential property involved. We ensure 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 handle these issues. 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 walk away knowing they've received an honest deal.
Champagne Appraisal Services can help you with relocating to or from Butler CountyWe are aware of the stress involved with an employee relocation. That's why we take great care in organizing a convenient appointment time for the appraisal inspection. During our thorough process, we suggest relocating employees to provide remarks on the positive attributes of their property, as well as information regarding any new sales or listings in their neighborhood that they want considered.
Selling your home quickly at the right priceWhether 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 better educated decision when determining your selling price. With much different interests than a real estate agent, an appraiser has no vested interest in what price the house sells for. The price we charge isn't contingent upon the value opinion we render, but rather they rest on our efforts to complete the appraisal.
We determine the difference in value things like an extra bathroom or a kitchen remodel can make on a daily basis. And we're experts in knowing how long properties stay on the market. So, obtaining a professional appraisal is a trusted way to determine 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 for an extended amount of time.