Reasons to order an appraisal from Schwab Appraisal LLCTo a lot of people, an appraisal is simply a line item on the settlement sheet for a mortgage or refinance. Practically all lenders still call in a local expert because the stakes are incredibly high, even though there are a growing number of automated home valuation systems that may seem more economical than an appraisal. You might believe that obtaining a mortgage is the only reason you should get an appraisal, but there are additional situations when the services of a certified, independent real estate professional might come in handy. 
Challenge your tax assessmentIf you live in an area where the property value has declined, it's possible you're paying too much in property taxes. An appraisal from Schwab Appraisal LLC is your best evidence when building your case. We're capable of assisting you in appealing your tax assessment. PMI removal to reduce a mortgage paymentWhen the amount being loaned to the home buyeris more than 80% of the actual value of the property, most lenders ask buyers to purchase this supplemental 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 isn't necessary when the remaining balance of the loan - whether through market appreciation or principal pay down - decreases below the 80% mark, making this very unfortunate. In fact, the Homeowners Protection Act (HPA) of 1998 was invoked by the United States Congress requiring lenders to do away with the PMI payments when the loan-to-value ratio conditions have been met. Schwab Appraisal LLC can produce a statement regarding the value of your home, and the price you paid for the home valuation can generally be offset in just a few months because you'll no longer be paying the PMI. Get your appraisal from Schwab Appraisal LLC Order onlineDivorce settlement with less stressA divorce is an especially traumatic experience for the parties involved, and it is often more complicated by the strenuous decision of who maintains the house. It's a good idea to order an appraisal from Schwab Appraisal LLC so both parties are fully aware of the true market value of their property, regardless of the circumstances. If the parties want to sell the home, they'll have a clearer picture of what price to set. And if a "buyout" is the chosen option, both parties will feel like they've received a fair evaluation. Determine a fair and accurate valuation for 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 Fair Market Value for the residential property 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). Most Americans don't have dedicated estate planners or executors to handle these issues, unlike wealthier individuals. And since a home or other property often makes up an uneven share of the total estate value, knowing the true worth of the real estate at hand is of significant importance to ensuring disputing parties walk away knowing they've received an honest deal. Relocate to or from Kootenai County through an employee relocation programEmployee relocation is a stressful event, and we understand. That being said, we take great care in setting up an accommodating appointment time for the appraisal inspection. During our detailed inspection, we suggest relocating employees to provide input on the positive aspects of their property, along with information about any recent sales or listings in their neighborhood that they want considered. Sell your home promptly — for the right priceWhether you decide to sell your home on your own or with the help of a real estate agent, a professional appraisal can help you make a more informed decision when determining your selling price. Unlike 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 finish the appraisal report. On a daily basis, we analyze the difference in value items like an additional bathroom or a kitchen remodel can make. 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, because we're experts in knowing how long properties stay on the market. 
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