Why you should order an appraisal from Schwab Appraisal LLCEvery year, thousands of people in Idaho buy, sell or refinance their home. Many of these transactions contain a simple line item for an appraisal. Even though there are a developing number of automated home valuation systems that may appear more practical than an appraisal, nearly all lenders still want a local expert because the stakes are so high. You might think that obtaining a mortgage is the only reason you should get an appraisal, but there are other times when the services of a licensed, independent real estate professional might come in handy. 
Contest your tax assessmentIf you reside in an area where property values have 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 qualified to assist you in challenging your tax assessment. Remove PMI to lower your mortgage paymentPrivate Mortgage Insurance, or PMI, is an added insurance plan that nearly all lenders ask home owners to buy when the amount being loaned to the home owner is more than 80% of the actual value of the property. Since the added payment is usually bundled into the monthly mortgage payment, it is often forgotten. This is damaging because PMI is unnecessary when the remainder of the loan - whether through market appreciation or principal pay down - falls below the 80% mark. 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. If you'd like to get rid of PMI, Schwab Appraisal LLC can produce a statement regarding the value of your home. The price you paid for the appraisal can generally be recovered in a short amount of time because you'll no longer be paying the PMI. Get your appraisal from Schwab Appraisal LLC Order onlineSettle a divorce with less stressA divorce is often complicated by the troublesome decision of who keeps the property, and it can be a very horrible experience for both parties. Regardless of the situation, it's a good idea to order an appraisal from Schwab Appraisal LLC so both parties are entirely aware of the true market value of their property. The parties will have a clearer picture of what price to set, if they wish to sell the home. And if a "buyout" is the chosen option, both parties will feel like they've gotten a fair evaluation. Determine an accurate and fair valuation for estate liquidationThe 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 Fair Market Value for the real estate involved. We ensure the highest degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP). Unlike wealthier individuals, most Americans don't have dedicated estate planners or executors to manage these matters. And seeing that a home or other property often makes up an uneven share of the total estate value, 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. Move to or from Kootenai County for workWe are aware of the stress involved with an employee relocation. That's why we take great care in setting up a convenient appointment time for the appraisal inspection. During our intensive inspection, we suggest relocating employees to provide feedback on the positive attributes of their property, along with information about any new sales or listings in their neighborhood that they want considered. Close on your home promptly — for the right priceWhether you choose to sell your home on your own or use the assistance of a real estate agent, a professional appraisal can help you make a more informed decision regarding your asking price. An appraiser has no vested interest in what amount the house sells for, apart from real estate agents. Our fees rest on our efforts to finish the appraisal report and not a percentage of the sales price. On a daily basis, we analyze the difference in value things 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 houses are one the market. 
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