Why you should hire an appraiserTo many, an appraisal just looks like one more thing in the long list of items for a home sale or refinance. And while there are a budding number of automated home valuation systems that may appear more prudent than an appraisal, nearly all lenders still call in a local expert because the stakes are so high. You might assume that obtaining a mortgage is the only basis for getting an appraisal, but there are more situations when the services of a licensed, independent real estate professional might come in handy. 
Contest your tax assessment in Clackamas CountyIt's 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 past assessment of your real estate, so if values 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 equipped to assist you in appealing your tax assessment. Remove PMI to lower your mortgage paymentWhen the amount being loaned to the home buyeris more than 80% of the actual value of the property, almost all lenders ask home owners to take out 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. This is bad because PMI is unnecessary when the remaining balance of the loan - whether through market appreciation or principal pay down - falls below the 80% mark. In fact, the United States Congress invoked a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to do away with the PMI payments when the loan-to-value ratio conditions have been met. Willamette Valley Appraisal Professionals can give you a statement regarding the value of your home, and the expense of the appraisal can often be offset in just a few months because you'll no longer be paying the PMI. Order your appraisal from Willamette Valley Appraisal Professionals today Order todayDivorce settlement with fewer hang-upsA divorce can be a particularly horrible experience for both parties, and it is often even more complicated by the difficult decision of who keeps the home. Regardless of the situation, it's a good idea to get an appraisal from Willamette Valley Appraisal Professionals so both parties are completely aware of the true market value of their property. The parties will have a clearer picture of what price to set, if they need 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. Ascertain an accurate and fair valuation for estate liquidationThe death of 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, guaranteeing the fullest degree of discretion. Unlike wealthier individuals, most Americans don't have dedicated estate planners or executors to manage these issues. A home or other property often makes up an uneven share of the total estate value, so knowing the true value of the real estate at hand is of essential importance to ensuring disputing parties walk away knowing they've received an honest deal. Move to or from Clackamas County through an employee relocation programWe are familiar with the headaches associated with an employee relocation. That being said, we take great care in organizing a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide input on the positive features of their property, along with information about any new sales or listings in their neighborhood that they want considered during our intensive inspection. Sell your home promptly — at an accurate 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, apart from real estate agents. Our fees aren't related to the sales price, but rather they are based on our efforts to complete the appraisal report. We examine 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 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. 
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