Why you should order an appraisal from Stone County Appraisals, IncThousands of people in Missouri purchase, sell or refinance their home each month. Many of these transactions contain a simple line item for an appraisal. Practically all lenders still call in a local expert because the stakes are incredibly high, even though there are a developing number of automated home valuation systems that may appear less expensive than an appraisal. You might assume that getting a mortgage is the only reason to get an appraisal, but there are additional cases when the services of a licensed, independent real estate professional might be helpful. 
Challenge your tax assessment in Stone CountyIf you are in an area where the property value has depreciated, it's possible you're paying too much in property taxes. An appraisal from Stone County Appraisals, Inc is your best evidence when building your case. We can assist you in challenging your tax assessment. Eliminating PMI for mortgage paymentsPrivate Mortgage Insurance, or PMI, is a supplemental insurance policy that nearly all lenders ask buyers to buy when the amount being loaned to the home owner is more than 80% of the actual value of the property. More often than not, this extra payment is folded into the monthly mortgage payment and is soon forgotten. This is unfavorable because PMI is no longer required when the leftover balance of the loan - whether through market appreciation or principal pay down - decreases below the 80% level. In fact, the United States Congress invoked a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to eliminate the PMI payments when the loan-to-value ratio conditions have been met. If you'd like to eliminate PMI, Stone County Appraisals, Inc can provide you with a statement regarding the value of your home. 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 Stone County Appraisals, Inc today Order onlineDivorce settlement with fewer hang-upsA divorce is a very daunting ordeal for the parties involved, and it is often more complicated by the burdensome decision of who gets 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 Stone County Appraisals, Inc, regardless of the circumstances. 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 gotten a fair assessment. Determine a fair and accurate valuation for estate liquidationThe death of a loved one is a painful time in life, and settling an estate from a death, or probate, often calls for an appraisal to establish Fair Market Value for the real estate involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, guaranteeing the highest degree of discretion. Unlike wealthier individuals, most Americans don't have dedicated estate planners or executors to take care of these affairs. A home or other property often makes up an unequal share of the total estate value, so understanding the true worth of the real estate at hand is of essential importance to ensuring disputing parties leave knowing they've gotten an honest deal. Relocate to or from Stone County through an employee relocation programEmployee relocation is a stressful event, and we understand. That being said, we take great care in establishing an accommodating appointment time for the appraisal inspection. During our intensive inspection, we recommend relocating employees to provide remarks on the positive attributes of their property, as well as information regarding any recent sales or listings in their neighborhood that they want considered. Close on your home quickly — at the right priceWhether you want to sell your home on your own or use the assistance of a real estate agent, a professional appraisal can help you make a better educated decision when determining your asking price. An appraiser has no vested interest in what price the house sells for, unlike real estate agents. Our fees are calculated on our efforts to finish the appraisal report and and aren't related to the sales price. On a daily basis, we determine the difference in value things like an additional bathroom or a kitchen remodel can make. Seeking 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 homes are one the market. 
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