Let Northern Arizona Appraisal, Inc. serve your appraisal needs

Thousands of people in Arizona purchase, sell or refinance their home every year. Most of these transactions have a simple line item for an appraisal. Nearly all lenders still call for a local expert because the stakes are very high, even though there are a multiplying number of automated home valuation processes that may appear to be less expensive than an appraisal. You might assume that securing a mortgage is the only reason to get an appraisal, but there are other instances when the services of a licensed, independent real estate professional could be helpful.

Let Northern Arizona Appraisal, Inc. assist you in lowering your mortgage payment

Dispute your tax assessment

It's quite possible you're paying too much in property taxes if you reside in an area where property values have declined. Ad Valorem taxes are based upon a past assessment of your home, so if values have gone down in your neighborhood, you can appeal your assessment and save money. When building your case, an appraisal from us is your best evidence. At Northern Arizona Appraisal, Inc., we're capable of assisting you in disputing your tax assessment.

PMI removal to lower a mortgage payment

When the amount being loaned to the home buyeris more than 80% of the actual value of the property, nearly all lenders ask homebuyers to purchase this added insurance plan. That policy is Private Mortgage Insurance, or PMI. Seeing that additional payment is usually lumped into the monthly mortgage payment, it is often forgotten. PMI becomes unnecessary when the leftover balance of the loan - whether through market appreciation or principal pay down - dips below the 80% level, making this very unfortunate. In fact, the United States Congress invoked a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to dismiss the PMI payments when the loan-to-value ratio conditions have been met.

Northern Arizona Appraisal, Inc. will produce a statement regarding the value of your home, and the cost of the home valuation can often be offset in little time because you'll no longer be paying the PMI.

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Get a clear valuation on a home take make a divorce settlement less stressful

A divorce is often complicated by the challenging decision of who keeps the home, and it can be a particularly horrible occurrence for both parties. So both parties are completely aware of the true market value of their property, it's a good idea to order an appraisal from Northern Arizona Appraisal, Inc., regardless of the circumstances.

The parties will have a clearer picture of what price to set, if they wish to sell the home. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've gotten a fair assessment.

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 requires 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 many wealthy individuals, most Americans don't have dedicated estate planners or executors to handle these issues. A home or other property often makes up an unequal share of the total estate value, so understanding the true worth of the real estate at hand is of essential importance to ensuring disputing parties leave knowing they've received an honest deal.

Move to or from Maricopa County through an employee relocation program

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. We encourage relocating employees to provide feedback on the positive characteristics of their property, as well as information about any new sales or listings in their neighborhood that they want considered during our thorough inspection.

Close on your home promptly — for an accurate price

Whether you choose to sell your home on your own or with the help of a real estate agent, a professional appraisal will help you make a more informed decision when determining your selling price. An appraiser has no vested interest in what price the house sells for, unlike real estate agents. Our fees are based on our efforts to complete the appraisal report and and aren't related to the sales price.

On a daily basis, we analyze the difference in value things like an extra bathroom or a kitchen remodel can make. And we're experts in knowing how long homesare on the market. So, seeking a professional appraisal is a trusted 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 an unnecessarily long time.

Let Northern Arizona Appraisal, Inc. assist you in selling your home quickly at the right price