Getting an appraisal from Cook Appraisal, Inc.To many, an appraisal just looks like a line item on the break-sheet for a home sale or refinance. Most lenders still call in a local expert because the stakes are incredibly high, even though there are a multiplying number of automated home valuation methods that might appear to be more economical than an appraisal. You might think that getting a mortgage is the only basis for getting an appraisal, but there are more instances when the services of a licensed, independent real estate professional could come in handy.
Dispute your tax assessmentIf you live in an area where property values have depreciated, it's possible you're paying too much in property taxes. An appraisal from Cook Appraisal, Inc. is your best evidence when building your case. At Cook Appraisal, Inc., we can assist you in disputing your tax assessment.How can you eliminate PMI to lower your mortgage payment?Private Mortgage Insurance, or PMI, is a supplemental insurance plan that nearly all lenders ask home owners to purchase when the amount being loaned to the buyer is more than 80% of the actual value of the home. Oftentimes, this extra payment is folded into the monthly mortgage payment and is quickly forgotten. PMI is no longer required when the remainder of the loan - whether through market appreciation or principal pay down - goes below the 80% mark, making this very unfortunate. In fact, the United States Congress passed a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to remove the PMI payments when the loan-to-value ratio conditions have been met.If you'd like to do away with PMI, Cook Appraisal, Inc. can produce a statement regarding the value of your home. The cost of the appraisal can often be offset in little time because you'll no longer be paying the PMI. Settling a divorce with less stressA divorce can be a particularly daunting experience for both parties, and it is often further complicated by the challenging decision of who maintains the property. It's a good idea to get an appraisal from Cook Appraisal, Inc. so both parties are fully aware of the true market value of their house, regardless of the situation.The parties will have a good 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. Trustworthy estate liquidationLosing a loved one is a painful time in life, and settling an estate from a death, or probate, often calls for an appraisal to establish Market Value for the residential property involved. We guarantee the highest degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP). Most Americans do not have dedicated estate planners or executors to take care of these affairs. Seeing that a home or other property often makes up an unequal share of the total estate value, understanding the precise value of the real estate at hand is of vital importance to ensuring disputing parties leave knowing they've received a fair deal. Let Cook Appraisal, Inc. assist you in relocating to or from Western North CarolinaWe are aware of the stress involved with an employee relocation. We take great care in setting up an accommodating appointment time for the appraisal inspection. During our thorough process, we suggest relocating employees to provide remarks on the positive aspects of their property, as well as information about any recent sales or listings in their neighborhood that they want considered.Don't sell out for too little or keep your home on the market too long.A professional appraisal will help you make a better educated decision regarding your selling price, whether you decide to sell your home on your own or with the help of a real estate agent. An appraiser has no vested interest in what price the house sells for. Our fees aren't a percentage of the sales price, but rather they rest on our efforts to complete the appraisal.
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