Why you should order an appraisal

Year after year, thousands of people in Kentucky buy, sell or refinance their home. A lot of these transactions consist of a simple line item for an appraisal. Nearly all lenders still need a local expert because the stakes are incredibly high, even though there are a budding number of automated home valuation processes that might appear more economical than an appraisal. But is obtaining a mortgage the only basis for getting an appraisal? Are there more situations when the services of a licensed, independent real estate professional could be helpful? Of course there are.


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Let Trademark Appraisal Services help you appeal your tax assessment in Boone County

It's possible 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 past assessment of your real estate, so if prices have declined in your area, you can appeal your assessment and save money. When building your case, an appraisal from Trademark Appraisal Services is your best evidence. At Trademark Appraisal Services,we can assist you in appealing your tax assessment.

Let Trademark Appraisal Services help you get rid of PMI to lower your mortgage payment

Private Mortgage Insurance, or PMI, is a supplemental insurance plan that most lenders ask home owners to purchase when the amount being loaned to the homeowner is more than 80% of the actual value of the property. This added payment is often bundled into the monthly mortgage payment and is soon forgotten. This is damaging because PMI isn't required when the leftover balance of the loan - whether through market appreciation or principal pay down - decreases below the 80% level. In fact, the Homeowners Protection Act (HPA) of 1998 was implemented by the United States Congress that requires lenders to eliminate the PMI installments on most mortgages when the balance is paid down to 78% of the original value.

If you'd like to eliminate PMI, Trademark Appraisal Services can produce a statement regarding the value of your home. The cost of the home valuation can often be recovered in a short amount of time because you'll no longer be paying the PMI.

An appraisal from Trademark Appraisal Services will help you settle a divorce with less stress

A divorce is often complicated by the difficult decision of who keeps the house, and it can be a very heartbreaking occurrence for both parties. Regardless of the circumstances, it's wise to order an appraisal from Trademark Appraisal Services so both parties are entirely aware of the true market value of their property.

If the parties want to sell the home, they'll have a a good idea of what price to set. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've gotten a fair assessment.

Settling an estate with peace of mind

The death of a loved one is a difficult 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 maximum degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).

Unlike many wealthy individuals, most Americans do not have dedicated estate planners or executors to take care of these matters. And seeing that a home or other property often makes up an unequal share of the total estate value, understanding the correct value of the real estate at hand is of vital importance to ensuring disputing parties leave knowing they've received an honest deal.

Let Trademark Appraisal Services help you with relocating to or from Boone County

Employee relocation is a real pain, and we understand. That being said, we take great care in establishing an accommodating appointment time for the appraisal inspection. During our intensive process, we encourage employees that are moving to provide remarks on the positive characteristics of their property, as well as information regarding any current sales or listings in their neighborhood that they want considered.

Don't sell out short or let your home stay on the market too long.

Whether 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 when determining your asking price. An appraiser has no vested interest in what price the house sells for, unlike real estate agents. Our fees aren't contingent upon the value we come up with, but rather they are calculated on our efforts to complete the appraisal.

On a daily basis, we analyze the difference in value things like an extra bathroom or a kitchen remodel can make. Seeking a professional appraisal is a reliable way to decide 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.