Reasons someone would call Northern Arizona Appraisal, Inc.

Thousands of people in Arizona buy, sell or refinance their home each month. A lot of these transactions involve a simple line item for an appraisal. Even though there are an increasing number of automated home valuation methods that may seem more economical than an appraisal, nearly all lenders still call for a local expert because the stakes are very high. You might think that getting a mortgage is the only reason to acquire an appraisal, but there are additional situations when the services of a certified, independent real estate professional could be helpful.


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Appeal your tax assessment in Coconino County

If you live 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 Northern Arizona Appraisal, Inc. is your best evidence. At Northern Arizona Appraisal, Inc.,we can assist you in disputing your tax assessment.

How can you get rid of PMI to lower your mortgage payment?

When the amount being loaned to the homeowner is more than 80% of the actual value of the real estate, almost all lenders ask home owners to buy an extra insurance policy. That policy is Private Mortgage Insurance, or PMI. Seeing that added payment is usually lumped into the monthly mortgage payment, it is often forgotten. This is unfortunate because PMI becomes unnecessary when the remainder of the loan - whether through market appreciation or principal pay down - falls below the 80% mark. In fact, the Homeowners Protection Act (HPA) of 1998 was implemented by the United States Congress requiring lenders to eliminate the PMI payments on most mortgages when the balance is paid down to 78% of the original value.

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

An appraisal from Northern Arizona Appraisal, Inc. will help you settle a divorce with less stress

A divorce can be a particularly traumatic experience for both parties, and it is often even more complicated by the hard decision of who keeps the house. It's a good idea to get an appraisal from Northern Arizona Appraisal, Inc. so both parties are completely aware of the true market value of their home, regardless of the circumstances.

The parties will have a better idea of what price to set, if they need to sell the home. And if a "buyout" is the chosen option, both parties will feel like they've received a fair assessment.

Trustworthy estate liquidation

The 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 Market Value for the residential property involved. We ensure 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 many wealthy individuals, most Americans do not have dedicated estate planners or executors to take care of these issues. A home or other property often makes up an unequal share of the total estate value, so knowing the true value of the real estate at hand is of vital importance to ensuring disputing parties walk away knowing they've gotten an honest deal.

Relocating to or from Coconino County

We know the headaches involved with an employee relocation. That being said, we take great care in setting up an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide remarks on the positive features of their property, along with information about any recent sales or listings in their neighborhood that they want considered during our intensive process.

Sell your home quickly at the right price

A professional appraisal will 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 amount the house sells for, unlike real estate agents. Our fees are calculated on our efforts to perform 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 homes are one the market.