Let Cedar Canyon Appraisal Services, Inc take care of your appraisal

To a lot of people, an appraisal just looks like one more thing on the settlement sheet for a home sale or refinance. Most lenders still call in a local expert because the stakes are very high, even though there are a growing number of automated home valuation processes that may appear more practical than an appraisal. But is securing a mortgage the only reason to acquire an appraisal? Are there more cases when the services of a certified, independent real estate professional could be beneficial? Absolutely.


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Dispute your tax assessment in Allen County

If you reside in an area where property values have depreciated, it's possible you're paying too much in property taxes. An appraisal from Cedar Canyon Appraisal Services, Inc is your best evidence when building your case. At Cedar Canyon Appraisal Services, Inc,we can assist you in disputing your tax assessment.

PMI removal will lower your mortgage payment

Private Mortgage Insurance, or PMI, is an additional insurance policy that nearly all lenders ask homebuyers to purchase when the amount being loaned to the home owner is more than 80% of the actual value of the home. Since the added payment is usually bundled into the monthly mortgage payment, it is often forgotten. This is bad because PMI is no longer required when the remainder of the loan - whether through market appreciation or principal pay down - dips below the 80% mark. In fact, the United States Congress implemented a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to remove the PMI installments when the loan-to-value ratio conditions have been met.

If you'd like to do away with PMI, Cedar Canyon Appraisal Services, Inc will produce a statement regarding the value of your home. The expense of the appraisal can generally be recovered in little time because you'll no longer be paying the PMI.

Settling a divorce with less stress with an appraisal from Cedar Canyon Appraisal Services, Inc

A divorce is often complicated by the troublesome decision of who maintains the home, and it can be a very heartbreaking ordeal for both parties. It's a good idea to get an appraisal from Cedar Canyon Appraisal Services, Inc so both parties are entirely aware of the true market value of their home, regardless of the situation.

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 gotten a fair assessment.

Settling an estate with peace of mind

The death 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 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).

Most Americans do not have dedicated estate planners or executors to handle these affairs, unlike wealthy individuals. And since a home or other property often makes up an uneven share of the total estate value, knowing the absolute value of the real estate at hand is of significant importance to ensuring disputing parties leave knowing they've received an honest deal.

Let Cedar Canyon Appraisal Services, Inc assist you in relocating to or from Allen County

Employee relocation can be a more than just an inconvenience, and we understand. That's why we take great care in organizing a convenient appointment time for the appraisal inspection. During our detailed process, we encourage relocating employees to provide input on the positive attributes of their property, as well as information about any recent sales or listings in their area that they want considered.

Don't sell out for too little or keep your home on the market too long.

A professional appraisal can help you make a more informed decision regarding your selling price, whether you want to sell your home on your own or use the assistance of a real estate agent. Separate from a real estate agent, an appraiser has no vested interest in what price the house sells for. Our fees are derived from our efforts to perform the appraisal report and and aren't related to the sales price.

We analyze the difference in value things like an extra bathroom or a kitchen remodel can make on a daily basis. Getting a professional appraisal is a reliable 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 are one the market.