Why you should get an appraisal from Ranjewel AppraisalsTo a lot of people, an appraisal just looks like a line item on the settlement sheet for a home sale or refinance. And while there are a developing number of automated home valuation methods that might appear more prudent than an appraisal, nearly all lenders still call in a local expert because the stakes are incredibly high. Is getting a mortgage the only reason you should get an appraisal? Are there more cases when the services of a licensed, independent real estate professional might be beneficial? You bet. 
Contest your tax assessmentIt's possible you're paying too much in property taxes if you live in an area where property values have declined. Ad Valorem taxes are based upon a previous assessment of your home, so if values are less than what they used to be in your area, you can appeal your assessment and save money. An appraisal from Ranjewel Appraisals is your best evidence when building your case. We can assist you in challenging your tax assessment. PMI removal to reduce your mortgage paymentWhen the amount being loaned to the homeowneris more than 80% of the actual value of the real estate, most lenders ask homeowners to take out this added insurance plan. That policy is Private Mortgage Insurance, or PMI. Very often, this additional payment is lumped into the monthly mortgage payment and is promptly forgotten. This is unfavorable because PMI is unnecessary when the remainder of the loan - whether through market appreciation or principal pay down - decreases below the 80% mark. In fact, the United States Congress invoked a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to do away with the PMI payments when the loan-to-value ratio conditions have been met. If you'd like to eliminate PMI, Ranjewel Appraisals can give you a statement regarding the value of your home. The expense of the appraisal can usually be regained in a short amount of time because you'll no longer be paying the PMI. Get your appraisal from Ranjewel Appraisals Order todaySettle a divorce with fewer hang-upsA divorce can be an especially horrible experience for both parties, and it is often even more complicated by the difficult decision of who maintains the home. It's a good idea to get an appraisal from Ranjewel Appraisals so both parties are entirely aware of the true market value of their home, regardless of the circumstances. The parties will have a clearer picture of what price to set, if they want to sell the home. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've received a fair assessment. Determine a fair and accurate valuation for estate liquidationLosing 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 Fair 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 wealthier individuals, most Americans don't have dedicated estate planners or executors to take care of these issues. And seeing that 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 gotten a fair deal. Move to or from Belknap County through an employee relocation programWe are familiar with the headaches associated with an employee relocation. We take great care in organizing a convenient appointment time for the appraisal inspection. During our detailed inspection, we encourage relocating employees to provide feedback on the positive attributes of their property, as well as information about any new sales or listings in their area that they want considered. Close on your home quickly — for an accurate priceA professional appraisal can help you make a more informed decision regarding your asking price, whether you decide to sell your home on your own or use the assistance of a real estate agent. An appraiser has no vested interest in what amount the house sells for, apart from real estate agents. Our fees aren't a percentage of the sales price, but rather they depend on our efforts to complete the appraisal report. On a daily basis, we analyze the difference in value items like an additional bathroom or a kitchen remodel can make. Obtaining a professional appraisal is a reliable way to determine what improvements will add value and what a suitable 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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