Why obtain an appraisal from Brownback Appraisal Service?

To a lot of people, an appraisal just looks like one more thing on the break-sheet for a home sale or refinance. And even though there are a developing number of automated home valuation methods that may seem more prudent than an appraisal, nearly all lenders still want a local expert because the stakes are very high. You might think that getting a mortgage is the only reason to acquire an appraisal, but there are additional cases when the services of a certified, independent real estate professional might be beneficial.


	For real estate appraisals in La Cygne and Linn County, it's easiest when your order online from Brownback Appraisal Service, just click here.

Dispute your tax assessment in Linn County

It's possible you're paying too much in property taxes if you reside in an area where property values have declined. Property taxes are determined by a past assessment of your real estate, so if prices are less than what they used to be in your area, you can appeal your assessment and save money. An appraisal from Brownback Appraisal Service is your best evidence when building your case. At Brownback Appraisal Service, we're qualified to assist you in disputing your tax assessment.

Let Brownback Appraisal Service help you get rid of PMI to lower your mortgage payment

When the amount being loaned to the buyer is more than 80% of the actual value of the property, nearly all lenders ask homebuyers to take out an added insurance plan. That policy is Private Mortgage Insurance, or PMI. Very often, this additional payment is folded into the monthly mortgage payment and is quickly forgotten. PMI isn't necessary when the remainder of the loan - whether through market appreciation or principal pay down - decreases below the 80% mark, making this very unfavorable. In fact, the United States Congress implemented a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to eliminate the PMI installments when the loan-to-value ratio conditions have been met.

If you'd like to do away with PMI, Brownback Appraisal Service can produce a statement regarding the value of your home. The expense of the appraisal can generally be offset in a short amount of time because you'll no longer be paying the PMI.

Divorce settlement with less stress

A divorce can be a particularly daunting experience for both parties, and it is often further complicated by the hard decision of who keeps the house. Regardless of the circumstances, it's wise to order an appraisal from Brownback Appraisal Service so both parties are entirely aware of the true market value of their home.

If the parties wish to sell the home, they'll have a better idea of what price to set. And if a "buyout" is the chosen option, both parties will feel like they've gotten a fair evaluation.

Accurate and fair estate liquidation

Losing a loved one is a difficult time in life, and settling an estate from a death, or probate, often entails an appraisal to establish Market Value for the real estate involved. We ensure the maximum 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 manage these affairs, unlike many wealthy individuals. And since a home or other property often makes up an unequal share of the total estate value, understanding the certain value of the real estate at hand is of vital importance to ensuring disputing parties walk away knowing they've received an honest deal.

Relocating to or from Linn County?

Moving due to a job change is a real pain, and we understand. That being said, we take great care in setting up an accommodating appointment time for the appraisal inspection. During our thorough process, we recommend employees that are moving to provide remarks on the positive characteristics of their property, as well as information regarding any new sales or listings in their area that they want considered.

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

Whether you want to sell your home on your own or with the help of a real estate agent, a professional appraisal will help you make a better educated decision regarding your selling price. An appraiser has no vested interest in what price the house sells for, unlike real estate agents. Our fees depend on our efforts to perform the appraisal report and not a percentage of the sales price.

On a daily basis, we determine the difference in value things like an additional bathroom or a kitchen remodel can make. Getting 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 homes are one the market.