Reasons to order an appraisal from KEY INSIGHTThousands of people in Wisconsin purchase, sell or refinance their home each year. Most of these transactions include a simple line item for an appraisal. Even though there are a budding number of automated home valuation processes that might appear to be less expensive than an appraisal, the majority of lenders still call for a local expert because the stakes are very high. You might think that securing a mortgage is the only reason to acquire an appraisal, but there are more cases when the services of a certified, independent real estate professional might be beneficial. 
Challenge your tax assessment in Oneida CountyIt's likely you're paying too much in property taxes if you live in an area where property values have depreciated. Ad Valorem taxes are determined by a past assessment of your home, so if values have declined in your neighborhood, you can challenge your assessment and save money. When building your case, an appraisal from us is your best evidence. We can assist you in appealing your tax assessment. PMI removal to lower your mortgage paymentPrivate Mortgage Insurance, or PMI, is an added insurance plan that almost all lenders ask homebuyers to purchase when the amount being loaned to the homebuyer is more than 80% of the actual value of the home. This extra payment is often bundled into the monthly mortgage payment and is promptly forgotten. This is damaging because PMI is no longer required when the remainder of the loan - whether through market appreciation or principal pay down - goes below the 80% mark. In fact, the Homeowners Protection Act (HPA) of 1998 was passed by the United States Congress that requires lenders to eliminate 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 usually be recovered in little time because you'll no longer be paying the PMI. Order your appraisal from KEY INSIGHT today Order onlineGet a fair valuation on a home take make a divorce settlement less stressfulA divorce can be a very traumatic ordeal for both parties, and it is often even more complicated by the strenuous decision of who keeps the house. It's a good idea to order an appraisal from KEY INSIGHT so both parties are completely aware of the true market value of their home, regardless of the circumstances. The parties will have a a good 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 gotten a fair evaluation. Accurate and fair 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 real estate involved. We guarantee the fullest degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP). Unlike wealthier individuals, most Americans don't have dedicated estate planners or executors to handle these matters. And since a home or other property often makes up an uneven share of the total estate value, knowing the true worth of the real estate at hand is of essential importance to ensuring disputing parties leave knowing they've gotten a fair deal. Relocate to or from Oneida County for workWe are familiar with the stress associated with an employee relocation. We take great care in organizing an accommodating appointment time for the appraisal inspection. During our thorough inspection, we suggest relocating employees to provide remarks 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 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 with the help of a real estate agent. Apart from a real estate agent, an appraiser has no vested interest in what amount the house sells for. Our fees rest on our efforts to finish the appraisal report and and aren't related to the sales price. 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 determine what improvements will add value and what an applicable 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 houses are one the market. 
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