6 Reasons to choose an appraisal from Stacey Stanich Appraisal Service, Inc.

Thousands of people in Wisconsin buy, sell or refinance their home each year. Many of these transactions involve a simple line item for an appraisal. The majority of lenders still call for a local expert because the stakes are incredibly high, even though there are an increasing number of automated home valuation methods that might seem cheaper than an appraisal. Is securing a mortgage the only reason to get an appraisal? Are there other situations when the services of a certified, independent real estate professional could be helpful? You bet there are.

Let Stacey Stanich Appraisal Service, Inc. help you lower your mortgage payment

Dispute your tax assessment in Kenosha County

If you live in an area where the property value has depreciated, it's possible you're paying too much in property taxes. When building your case, an appraisal from us is your best evidence. We can assist you in challenging your tax assessment.

PMI removal to lower a mortgage payment

When the amount being loaned to the homebuyeris more than 80% of the actual value of the real estate, many lenders ask homeowners to take out this added insurance policy. That policy is Private Mortgage Insurance, or PMI. Oftentimes, this additional payment is bundled into the monthly mortgage payment and is soon forgotten. This is bad because PMI isn't necessary when the leftover balance of the loan - whether through market appreciation or principal pay down - decreases below the 80% mark. In fact, the Homeowners Protection Act (HPA) of 1998 was invoked by the United States Congress requiring lenders to eliminate the PMI installments when the loan-to-value ratio conditions have been met.

If you'd like to eliminate PMI, Stacey Stanich Appraisal Service, Inc. can produce a statement regarding the value of your home. The price you paid for the appraisal can generally be regained in just a few months because you'll no longer be paying the PMI.

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Settle a divorce with fewer hang-ups

A divorce is often complicated by the strenuous decision of who maintains the home, and it can be an especially daunting occurrence for both parties. Regardless of the circumstances, it's a good idea to get an appraisal from Stacey Stanich Appraisal Service, Inc. so both parties are entirely aware of the true market value of their home.

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

Ascertain an accurate and fair valuation for estate liquidation

Losing a loved one is a hard 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. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, guaranteeing the maximum degree of discretion.

Most Americans don't have dedicated estate planners or executors to take care of these issues, unlike many wealthy individuals. And seeing that a home or other property often makes up a disproportionate 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.

Relocate to or from Kenosha County for work

Employee relocation can be a stressful event, and we understand. That being said, we take great care in organizing a convenient appointment time for the appraisal inspection. During our detailed inspection, we encourage relocating employees to provide input on the positive attributes of their property, as well as information regarding any recent sales or listings in their area that they want considered.

Close on your home promptly — at an accurate price

A professional appraisal can help you make a better educated decision regarding your asking price, whether you want 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, unlike real estate agents. Our fees aren't a percentage of the sales price, but rather they are based on our efforts to complete the appraisal report.

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

Let Stacey Stanich Appraisal Service, Inc. help you sell your home quickly at the right price