Why you should order an appraisal from KEY INSIGHTTo a lot of people, an appraisal just looks like one more thing in the long list of items for a home purchase or refinance. Most lenders still need a local expert because the stakes are incredibly high, even though there are an increasing number of automated home valuation methods that might appear to be more economical than an appraisal. You might believe that securing a mortgage is the only basis for getting an appraisal, but there are additional cases when the services of a licensed, independent real estate professional might be beneficial. 
Appeal your tax assessment in Oneida CountyIf you reside in an area where property values have declined, it's possible you're paying too much in property taxes. When building your case, an appraisal from us is your best evidence. At KEY INSIGHT, we're qualified to assist you in appealing your tax assessment. PMI removal to reduce a mortgage paymentPrivate Mortgage Insurance, or PMI, is a supplemental insurance policy that nearly all lenders ask home owners to buy when the amount being loaned to the homeowner is more than 80% of the actual value of the real estate. Seeing that added payment is usually lumped into the monthly mortgage payment, it is often forgotten. This is unfavorable because PMI is unnecessary when the remaining balance of the loan - whether through market appreciation or principal pay down - decreases below the 80% mark. In fact, the United States Congress implemented 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. KEY INSIGHT can give you a statement regarding the value of your home, and the cost of the home valuation can often be recovered in a short amount of time because you'll no longer be paying the PMI. Order an appraisal from KEY INSIGHT Order todayDivorce settlement with fewer hang-upsA divorce can be a very daunting ordeal for both parties, and it is often even more complicated by the hard decision of who maintains the house. It's a good idea to get an appraisal from KEY INSIGHT so both parties are fully aware of the true market value of their house, regardless of the situation. If the parties wish to sell the home, they'll have a clearer picture of what price to set. And if a "buyout" is the chosen option, both parties will feel like they've received a fair assessment. Accurate and fair estate liquidationThe loss of a loved one is a painful time in life, and settling an estate from a death, or probate, often entails an appraisal to establish Fair Market Value for the real estate involved. We ensure the highest 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 handle these issues. And since a home or other property often makes up an uneven share of the total estate value, understanding the true value of the real estate at hand is of vital importance to ensuring disputing parties walk away knowing they've received an honest deal. Move to or from Oneida County through an employee relocation programWe are familiar with the stress associated with an employee relocation. That's why we take great care in establishing an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide input on the positive characteristics of their property, as well as information regarding any current sales or listings in their neighborhood that they want considered during our detailed inspection. Close on your home promptly — for the right priceWhether you decide to sell your home on your own or with the help of a real estate agent, a professional appraisal can help you make a more informed decision regarding your selling price. An appraiser has no vested interest in what amount the house sells for, unlike real estate agents. Our fees rest on our efforts to complete the appraisal report and not a percentage of the sales price. We examine the difference in value items like an extra bathroom or a kitchen remodel can make on a daily basis. Seeking a professional appraisal is a trusted way to decide 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 stay on the market. 
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