Reasons to order an appraisal from KEY INSIGHT

Thousands of people in Wisconsin purchase, sell or refinance their home every month. Many of these transactions include a simple line item for an appraisal. Most lenders still need a local expert because the stakes are very high, even though there are a multiplying number of automated home valuation systems that might seem more economical than an appraisal. Is obtaining a mortgage the only reason to get an appraisal? Are there more situations when the services of a certified, independent real estate professional could be beneficial? You bet.

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Dispute your tax assessment in Oneida County

It's possible you're paying too much in property taxes if you live in an area where property values have depreciated. Property taxes are determined by a past assessment of your house, so if prices are less than what they used to be in your area, you can appeal your assessment and save money. When building your case, an appraisal from us is your best evidence. We're capable of assisting you in disputing your tax assessment.

Removing PMI for mortgage payments

Private Mortgage Insurance, or PMI, is an additional insurance plan that many lenders ask buyers to buy when the amount being loaned to the homeowner is more than 80% of the actual value of the real estate. This extra payment is often bundled into the monthly mortgage payment and is soon forgotten. This is unfavorable because PMI isn't required when the remainder 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 invoked by the United States Congress that requires lenders to do away with the PMI installments when the loan-to-value ratio conditions have been met.

KEY INSIGHT can give you a statement regarding the value of your home, and the cost of the home valuation can often be offset in a short amount of time because you'll no longer be paying the PMI.

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Settle a divorce with fewer hang-ups

A divorce is a particularly horrible ordeal for the parties involved, and it is often even more complicated by the strenuous decision of who gets the house. So both parties are entirely aware of the true market value of their property, it's a good idea to order an appraisal from KEY INSIGHT, regardless of the circumstances.

The parties will have a better idea 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.

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 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, ensuring the highest degree of discretion.

Unlike wealthy individuals, most Americans don't have dedicated estate planners or executors to take care of these matters. A home or other property often makes up an uneven share of the total estate value, so knowing the true worth of the real estate at hand is of vital importance to ensuring disputing parties leave knowing they've received a fair deal.

Move to or from Oneida County for work

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

Sell your home promptly — for an accurate price

A professional appraisal will help you make a better educated decision regarding your selling price, whether you decide 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, apart from real estate agents. Our fees aren't related to the sales price, but rather they depend on our efforts to complete the appraisal report.

We examine the difference in value items like an extra 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 properties are one the market.

Let KEY INSIGHT help you sell your home quickly at the right price