Reasons someone would use the services of Gutwein Appraisal Services, IncTo many, an appraisal just looks like one more thing on the break-sheet for a home sale or refinance. And even though there are a multiplying number of automated home valuation methods that may seem more practical than an appraisal, almost all lenders still need a local expert because the stakes are very high. You might believe that obtaining a mortgage is the only reason you should get an appraisal, but there are other situations when the services of a certified, independent real estate professional could be beneficial.
Challenge your tax assessment in Scotts Bluff and surrounding CountiesIt'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 house, so if values are less than what they used to be in your neighborhood, you can appeal your assessment and save money. When building your case, an appraisal from Gutwein Appraisal Services, Inc is your best evidence. We're capable of assisting you in disputing your tax assessment.
How can you get rid of PMI to lower your mortgage payment?Private Mortgage Insurance, or PMI, is an added insurance policy that many lenders ask homeowners to buy when the amount being loaned to the homeowner is more than 80% of the actual value of the property. More often than not, this added payment is bundled into the monthly mortgage payment and is quickly forgotten. PMI isn't required when the leftover balance of the loan - whether through market appreciation or principal pay down - decreases below the 80% mark, making this very unfavorable. In fact, the Homeowners Protection Act (HPA) of 1998 was approved by the United States Congress that requires lenders to remove the PMI payments on most mortgages when the balance is paid down to 78% of the original value.
If you'd like to get rid of PMI, Gutwein Appraisal Services, Inc will produce a statement regarding the value of your home. The expense of the home valuation can generally be regained in a short amount of time because you'll no longer be paying the PMI.
An appraisal from Gutwein Appraisal Services, Inc will help you settle a divorce with less stressA divorce is often complicated by the strenuous decision of who maintains the property, and it can be a particularly heartbreaking ordeal for both parties. So both parties are entirely aware of the true market value of their house, it's a good idea to get an appraisal from Gutwein Appraisal Services, Inc, regardless of the circumstances.
The parties will have a better idea of what price to set, if they need to sell the home. And if a "buyout" is the chosen option, both parties will feel like they've gotten a fair assessment.
Accurate and fair estate liquidation with Gutwein Appraisal Services, IncSettling an estateThe loss of a loved one is a hard time in life, and settling an estate from a death, or probate, often requires an appraisal to establish Market Value for the real estate 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 take care of these matters, unlike many wealthy individuals. And seeing that a home or other property often makes up an uneven share of the total estate value, understanding the certain value of the real estate at hand is of essential importance to ensuring disputing parties walk away knowing they've gotten a fair deal.
Gutwein Appraisal Services, Inc can assist you in relocating to or from Scotts Bluff CountyWe are familiar with the stress associated with an employee relocation. That being said, we take great care in organizing an accommodating appointment time for the appraisal inspection. During our intensive process, we suggest employees that are moving to provide input on the positive characteristics of their property, as well as information about any recent sales or listings in their neighborhood that they want considered.
Sell your home quickly at the right priceA professional appraisal can help you make a better educated decision regarding your asking price, whether you choose to sell your home on your own or use the assistance of a real estate agent. Separate from a real estate agent, an appraiser has no vested interest in what amount the house sells for. The price we charge isn't a percentage of the sales price, but rather they are calculated on our efforts to finish the appraisal.
We examine the difference in value items like an additional bathroom or a kitchen remodel can make on a daily basis. And we're experts in knowing how long properties are on the market. So, obtaining 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 for an extended amount of time.