Reasons someone would call Evers Appraisal ServiceThousands of people in Illinois buy, sell or refinance their home each month. A lot of these transactions have a simple line item for an appraisal. While there are a budding number of automated home valuation processes that may appear to be more economical than an appraisal, most lenders still want a local expert because the stakes are so high. You might believe that getting a mortgage is the only reason to get an appraisal, but there are other instances when the services of a certified, independent real estate professional could be helpful.
Let Evers Appraisal Service help you dispute your tax assessment in Kankakee CountyIt's likely you're paying too much in property taxes if you reside in an area where property values have depreciated. Ad Valorem taxes are based upon a previous assessment of your house, so if prices have declined in your area, you can appeal your assessment and save money. When building your case, an appraisal from Evers Appraisal Service is your best evidence. We're qualified to assist you in appealing your tax assessment.
Evers Appraisal Service can help you do away with PMI to lower your mortgage paymentWhen the amount being loaned to the home buyer is more than 80% of the actual value of the property, nearly all lenders ask home buyers to take out an extra insurance plan. That policy is Private Mortgage Insurance, or PMI. More often than not, this extra payment is bundled into the monthly mortgage payment and is quickly forgotten. PMI becomes unnecessary when the leftover balance of the loan - whether through market appreciation or principal pay down - decreases below the 80% mark, making this very unfavorable. In fact, the Homeowners Protection Act (HPA) of 1998 was approved by the United States Congress requiring lenders to remove the PMI installments on most mortgages when the balance is paid down to 78% of the original value.
Evers Appraisal Service can provide you with a statement regarding the value of your home, and the price you paid for the appraisal can generally be regained in little time because you'll no longer be paying the PMI.
An appraisal from Evers Appraisal Service will help you settle a divorce with less stressA divorce can be a particularly daunting ordeal for both parties, and it is often more complicated by the challenging decision of who keeps the house. Regardless of the situation, it's wise to get an appraisal from Evers Appraisal Service so both parties are completely aware of the true market value of their home.
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 received a fair evaluation.
Settling an estate with peace of mindLosing a loved one is a difficult time in life, and settling an estate from a death, or probate, often requires an appraisal to establish Fair Market Value for the real estate involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, guaranteeing the fullest degree of discretion.
Unlike many wealthy individuals, most Americans do not have dedicated estate planners or executors to handle these affairs. A home or other property often makes up an unequal share of the total estate value, so understanding the true worth of the real estate at hand is of essential importance to ensuring disputing parties leave knowing they've received an honest deal.
Let Evers Appraisal Service assist you in relocating to or from Kankakee CountyEmployee relocation can be a real pain, and we understand. That's why we take great care in establishing an accommodating 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 recent sales or listings in their area that they want considered during our thorough process.
Sell your home quickly at the right price with an appraisal from Evers Appraisal ServiceA professional appraisal can help you make a better educated decision when determining your asking price, whether you decide 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. The price we charge isn't contingent upon the value we come up with, but rather they rest on our efforts to complete the appraisal.
We examine the difference in value items like an extra bathroom or a kitchen remodel can make on a daily basis. Seeking a professional appraisal is a trusted way to decide what improvements will add value and what an applicable 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 houses stay on the market.