Let Kirby Appraisals take care of your appraisal

Year after year, thousands of people in Nebraska purchase, sell or refinance their home. A lot of these transactions contain a simple line item for an appraisal. And even though there are a budding number of automated home valuation processes that might appear to be less expensive than an appraisal, almost all lenders still call for a local expert because the stakes are incredibly high. But is getting a mortgage the only reason to get an appraisal? Are there other times when the services of a licensed, independent real estate professional could be beneficial? Absolutely.

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Let Kirby Appraisals help you dispute your tax assessment

It's possible you're paying too much in property taxes if you reside in an area where property values have depreciated. Property taxes are determined by a previous assessment of your real estate, so if values have declined in your neighborhood, you can appeal your assessment and save money. An appraisal from Kirby Appraisals is your best evidence when building your case. At Kirby Appraisals,we can assist you in appealing your tax assessment.

Kirby Appraisals can help you eliminate PMI to lower your mortgage payment

When the amount being loaned to the homebuyer is more than 80% of the actual value of the home, most lenders ask home owners to purchase an additional insurance policy. That policy is Private Mortgage Insurance, or PMI. More often than not, this added payment is folded into the monthly mortgage payment and is promptly forgotten. PMI isn't required when the remainder of the loan - whether through market appreciation or principal pay down - decreases below the 80% mark, making this very unfortunate. In fact, the Homeowners Protection Act (HPA) of 1998 was implemented by the United States Congress that requires lenders to remove the PMI installments on most mortgages when the balance is paid down to 78% of the original value.

If you'd like to do away with PMI, Kirby Appraisals can produce a statement regarding the value of your home. The expense of the home valuation can often be offset in just a few months because you'll no longer be paying the PMI.

Settling a divorce with less stress

A divorce is often complicated by the strenuous decision of who gets the home, and it can be an especially traumatic event for both parties. Regardless of the situation, it's prudent to get an appraisal from Kirby Appraisals so both parties are entirely aware of the true market value of their home.

If the parties need 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 evaluation.

Trustworthy estate liquidation

The loss 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 Market Value for the real estate 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 manage these matters, unlike wealthy 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 leave knowing they've gotten a fair deal.

Let Kirby Appraisals assist you in selling your home quickly at the right price

Whether you decide 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 regarding your asking price. Unlike a real estate agent, an appraiser has no vested interest in what amount the house sells for. The price we charge isn't related to the sales price, but rather they rest on our efforts to finish the appraisal.

On a daily basis, we determine the difference in value items like an extra bathroom or a kitchen remodel can make. Getting a professional appraisal is a trusted way to determine what improvements will add value and what an appropriate 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 stay on the market.