Why obtain an appraisal from BANDY APPRAISALS?Thousands of people in Montana purchase, sell or refinance their home every year. Most of these transactions consist of a simple line item for an appraisal. While there are an increasing number of automated home valuation systems that may appear to be cheaper than an appraisal, nearly all lenders still call for a local expert because the stakes are so high. You might believe that getting a mortgage is the only reason you should get an appraisal, but there are other instances when the services of a certified, independent real estate professional might be beneficial.
Let BANDY APPRAISALS help you appeal your tax assessment in Powell CountyIt's quite possible you're paying too much in property taxes if you live in an area where property values have depreciated. Property taxes are based upon a previous assessment of your real estate, so if prices are less than what they used to be in your neighborhood, you can challenge your assessment and save money. An appraisal from BANDY APPRAISALS is your best evidence when building your case. We're equipped to assist 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 buyers to purchase when the amount being loaned to the home owner 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 soon forgotten. This is unfavorable because PMI is no longer required when the leftover balance of the loan - whether through market appreciation or principal pay down - falls below the 80% level. 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.
BANDY APPRAISALS will give you a statement regarding the value of your home, and the cost of the appraisal can usually be recovered in little time because you'll no longer be paying the PMI.
An appraisal from BANDY APPRAISALS will help you settle a divorce with less stressA divorce is often complicated by the challenging decision of who keeps the home, and it can be an especially heartbreaking experience for both parties. So both parties are fully aware of the true market value of their house, it's a good idea to order an appraisal from BANDY APPRAISALS, regardless of the situation.
The parties will have a good 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 evaluation.
Fair and accurate estate liquidation with BANDY APPRAISALSSettling an estateLosing a loved one is a painful time in life, and settling an estate from a death, or probate, often calls for an appraisal to establish Market Value for the residential property 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).
Unlike wealthy individuals, most Americans don't have dedicated estate planners or executors to manage these matters. And since a home or other property often makes up an unequal share of the total estate value, knowing the absolute value of the real estate at hand is of essential importance to ensuring disputing parties leave knowing they've received an honest deal.
Let BANDY APPRAISALS help you with relocating to or from Powell CountyMoving due to a job change is a stressful event. We know where you're coming from! That's why we take great care in establishing a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide feedback on the positive aspects of their property, along with information about any new sales or listings in their neighborhood that they want considered during our detailed process.
Let BANDY APPRAISALS help you sell your home quickly at the right priceA professional appraisal can help you make a better educated decision when determining your asking price, whether you decide to sell your home on your own or use the assistance of a real estate agent. An appraiser has no vested interest in what price the house sells for, unlike real estate agents. Our fees aren't contingent upon the value opinion we render, but rather they are based on our efforts to finish the appraisal.
On a daily basis, we determine the difference in value things like an additional bathroom or a kitchen remodel can make. Seeking a professional appraisal is a trusted way to decide 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 homes stay on the market.