Reasons to order an appraisal

Year after year, thousands of people in Arizona buy, sell or refinance their home. Most of these transactions include a simple line item for an appraisal. And while there are a multiplying number of automated home valuation systems that might seem more economical than an appraisal, almost all lenders still want a local expert because the stakes are very high. You might believe that obtaining a mortgage is the only reason to get an appraisal, but there are other situations when the services of a licensed, independent real estate professional could come in handy.

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Contest your tax assessment

If 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 us is your best evidence. We can assist you in disputing your tax assessment.

Getting rid of your PMI for mortgage payments

When the amount being loaned to the home buyeris more than 80% of the actual value of the real estate, most lenders ask homeowners to take out this extra insurance policy. That policy is Private Mortgage Insurance, or PMI. Seeing that added payment is usually folded into the monthly mortgage payment, it is often forgotten. PMI is no longer required when the leftover balance of the loan - whether through market appreciation or principal pay down - falls below the 80% mark, making this very unfavorable. In fact, the Homeowners Protection Act (HPA) of 1998 was invoked by the United States Congress that requires lenders to remove the PMI payments when the loan-to-value ratio conditions have been met.

KS Appraisal will give you a statement regarding the value of your home, and the price you paid for the appraisal can usually be regained in little time because you'll no longer be paying the PMI.

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Divorce settlement with less stress

A divorce can be a very traumatic experience for both parties, and it is often even more complicated by the strenuous decision of who maintains the house. Regardless of the circumstances, it's a good idea to order an appraisal from KS Appraisal so both parties are entirely aware of the true market value of their property.

The parties will have a better idea of what price to set, if they need to sell the home. And if a "buyout" is the chosen option, both parties will feel like they've gotten a fair evaluation.

Fair and accurate 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. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, guaranteeing the fullest degree of discretion.

Most Americans don't have dedicated estate planners or executors to take care of these issues, unlike wealthy individuals. And seeing that a home or other property often makes up an unequal share of the total estate value, understanding the true worth of the real estate at hand is of essential importance to ensuring disputing parties walk away knowing they've gotten a fair deal.

Relocate to or from Maricopa County for work

Employee relocation is a stressful event, and we understand. We take great care in establishing an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide input on the positive attributes of their property, along with information about any recent sales or listings in their area that they want considered during our detailed inspection.

Sell your home promptly — at the right price

A professional appraisal will help you make a more informed decision regarding your asking price, whether you decide to sell your home on your own or use the assistance of a real estate agent. Unlike a real estate agent, an appraiser has no vested interest in what price the house sells for. Our fees are based on our efforts to complete the appraisal report and not a percentage of the sales price.

We analyze the difference in value items like an additional bathroom or a kitchen remodel can make on a daily basis. Getting 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 an unnecessarily long time, because we're experts in knowing how long properties stay on the market.

Let KS Appraisal help you sell your home quickly at the right price