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Getting an appraisal from Oregon Coast Appraisal Service

To a lot of us, an appraisal is simply one more thing in the long list of items for a home purchase or refinance. Practically all lenders still call for a local expert because the stakes are incredibly high, even though there are a budding number of automated home valuation methods that might appear cheaper than an appraisal. You might think that getting a mortgage is the only reason to get an appraisal, but there are more cases when the services of a licensed, independent real estate professional could be beneficial.

If you're planning on any transaction where the value of your property is a factor, just contact Oregon Coast Appraisal Service. Just click here.

Dispute your tax assessment in Lincoln County

If you live in an area where property values have declined, it's possible you're paying too much in property taxes. An appraisal from Oregon Coast Appraisal Service is your best evidence when building your case. We're equipped to assist you in disputing your tax assessment.

Let Oregon Coast Appraisal Service help you eliminate PMI to lower your mortgage payment

Private Mortgage Insurance, or PMI, is an added insurance policy that most lenders ask homebuyers to buy when the amount being loaned to the homeowner is more than 80% of the actual value of the property. Since the extra payment is usually bundled into the monthly mortgage payment, it is often forgotten. PMI isn't necessary when the leftover balance of the loan - whether through market appreciation or principal pay down - goes below the 80% level, making this very unfavorable. In fact, the Homeowners Protection Act (HPA) of 1998 was passed by the United States Congress requiring lenders to dismiss the PMI payments when the balance is paid down to 78% of the original value.

Oregon Coast Appraisal Service can provide you with a statement regarding the value of your home, and the price you paid for the appraisal can usually be offset in just a few months because you'll no longer be paying the PMI.

Settling a divorce with less stress with an appraisal from Oregon Coast Appraisal Service

A divorce can be a very traumatic experience for both parties, and it is often further complicated by the troublesome decision of who gets the home. It's a good idea to order an appraisal from Oregon Coast Appraisal Service so both parties are completely aware of the true market value of their house, regardless of the situation.

The parties will have a better idea of what price to set, if they wish 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 evaluation.

Accurate and fair estate liquidation with help from Oregon Coast Appraisal ServiceSettling an estate

Losing 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 guarantee 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 wealthier individuals, most Americans do not have dedicated estate planners or executors to handle these matters. And since a home or other property often makes up a disproportionate share of the total estate value, understanding the absolute value of the real estate at hand is of vital importance to ensuring disputing parties walk away knowing they've gotten a fair deal.

Let Oregon Coast Appraisal Service assist you in relocating to or from Lincoln County

Moving due to a job change is a real pain. We know where you're coming from. That being said, we take great care in organizing an accommodating appointment time for the appraisal inspection. During our detailed process, we recommend relocating employees to provide feedback on the positive aspects of their property, as well as information regarding any new sales or listings in their neighborhood that they want considered.

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

Whether you want to sell your home on your own or with the help of a real estate agent, a professional appraisal can help you make a better educated decision regarding your selling price. Separate from a real estate agent, an appraiser has no vested interest in what amount the house sells for. Our fees are derived from our efforts to complete the appraisal report and not a percentage of the sales price.

We determine the difference in value things like an extra bathroom or a kitchen remodel can make on a daily basis. And we're experts in knowing how long properties stay on the market. So, getting 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 for an extended amount of time.