6 Reasons to consider an appraisal from D. Robbins & Associates, Inc.Thousands of people in Idaho purchase, sell or refinance their home every month. Many of these transactions consist of a simple line item for an appraisal. And even though there are a growing number of automated home valuation processes that might appear more economical than an appraisal, practically all lenders still need a local expert because the stakes are so high. You might think that obtaining a mortgage is the only reason you should get an appraisal, but there are additional times when the services of a certified, independent real estate professional could be beneficial. 
Appeal your tax assessmentIt's quite possible you're paying too much in property taxes if you live in an area where property values have declined. Ad Valorem taxes are based upon a previous assessment of your home, so if prices 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. At D. Robbins & Associates, Inc., we're capable of assisting you in disputing your tax assessment. Remove PMI to lower your mortgage paymentPrivate Mortgage Insurance, or PMI, is an added insurance plan that almost all lenders ask home owners to purchase when the amount being loaned to the home owner is more than 80% of the actual value of the real estate. Since the extra payment is usually bundled into the monthly mortgage payment, it is often forgotten. This is damaging because PMI is unnecessary when the leftover balance of the loan - whether through market appreciation or principal pay down - decreases below the 80% mark. In fact, the Homeowners Protection Act (HPA) of 1998 was invoked by the United States Congress requiring lenders to do away with the PMI installments when the loan-to-value ratio conditions have been met. D. Robbins & Associates, Inc. can produce a statement regarding the value of your home, and the cost of the home valuation can often be offset in just a few months because you'll no longer be paying the PMI. Order your appraisal from D. Robbins & Associates, Inc. today Order onlineGet a fair valuation on a home for divorce settlementsA divorce can be a very daunting experience for both parties, and it is often even more complicated by the burdensome decision of who maintains the property. So both parties are fully aware of the true market value of their property, it's a good idea to get an appraisal from D. Robbins & Associates, Inc., regardless of the situation. If the parties wish to sell the home, they'll have a a good idea of what price to set. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've received a fair evaluation. Fair and accurate estate liquidationThe death of a loved one is a hard time in life, and settling an estate from a death, or probate, often calls for an appraisal to establish Fair Market Value for the residential property involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, guaranteeing the highest degree of discretion. Most Americans don't have dedicated estate planners or executors to manage these issues, unlike wealthier individuals. 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 received an honest deal. Relocate to or from Ada County through an employee relocation programEmployee relocation is a stressful event, and we understand. That being said, we take great care in establishing a convenient appointment time for the appraisal inspection. During our thorough inspection, we recommend relocating employees to provide feedback on the positive aspects of their property, as well as information regarding any recent sales or listings in their area that they want considered. Close on your home quickly — at the right priceWhether you choose to sell your home on your own or use the assistance of a real estate agent, a professional appraisal will help you make a better educated decision regarding your selling price. An appraiser has no vested interest in what price the house sells for, apart from real estate agents. Our fees rest on our efforts to complete the appraisal report and and aren't related to the sales price. We determine the difference in value things like an additional bathroom or a kitchen remodel can make on a daily basis. And we're experts in knowing how long propertiesare on the market. So, getting a professional appraisal is a reliable way to determine what improvements will add value and what a suitable sales price is for your home so you don't come up short or have your house on the market an unnecessarily long time. 
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