There are lots of reasons consumers call on Kelly Appraisal

To a lot of people, an appraisal just looks like one more thing on the settlement sheet for a home sale or refinance. And while there are a multiplying number of automated home valuation methods that may appear more economical than an appraisal, practically all lenders still call for a local expert because the stakes are very high. You might assume that getting a mortgage is the only reason to get an appraisal, but there are additional situations when the services of a licensed, independent real estate professional might be helpful.

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Let Kelly Appraisal help you appeal your tax assessment in Montgomery County

It's probable 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 previous assessment of your home, so if values are less than what they used to be in your neighborhood, you can challenge your assessment and save money. An appraisal from Kelly Appraisal is your best evidence when building your case. At Kelly Appraisal,we can assist you in appealing your tax assessment.

Let Kelly Appraisal help you eliminate PMI to lower your mortgage payment

When the amount being loaned to the home owner is more than 80% of the actual value of the home, most lenders ask homebuyers to purchase an extra insurance policy. That policy is Private Mortgage Insurance, or PMI. Since the added payment is usually folded into the monthly mortgage payment, it is often forgotten. This is unfortunate because PMI isn't required when the remaining balance of the loan - whether through market appreciation or principal pay down - goes below the 80% level. In fact, the Homeowners Protection Act (HPA) of 1998 was passed by the United States Congress that requires lenders to do away with the PMI payments when the balance is paid down to 78% of the original value.

Kelly Appraisal will produce a statement regarding the value of your home, and the cost of the appraisal can usually be recovered in just a few months because you'll no longer be paying the PMI.

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

A divorce is a particularly heartbreaking ordeal for the parties involved, and it is often more complicated by the hard decision of who keeps the home. Regardless of the situation, it's wise to order an appraisal from Kelly Appraisal so both parties are completely aware of the true market value of their property.

The parties will have a better idea of what price to set, if they want to sell the home. And if a "buyout" is the chosen option, both parties will feel like they've received a fair assessment.

Settling an estate with peace of mind

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

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

Kelly Appraisal can assist you in relocating to or from Montgomery County

We are aware of the headaches associated with an employee relocation. That being said, we take great care in setting up an accommodating appointment time for the appraisal inspection. During our intensive process, we suggest relocating employees to provide input on the positive characteristics of their property, as well as information regarding any current sales or listings in their neighborhood that they want considered.

Let Kelly Appraisal help you sell your home quickly at the right price

A professional appraisal will help you make a more informed decision regarding your selling price, whether you choose to sell your home on your own or with the help of a real estate agent. An appraiser has no vested interest in what price the house sells for, which is different than the interest of real estate agents. The price we charge isn't related to the sales price, but rather they depend on our efforts to finish the appraisal.

We determine the difference in value items like an additional bathroom or a kitchen remodel can make on a daily basis. Getting a professional appraisal is a trusted 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.