Let Ranjewel Appraisals handle your appraisal needsTo a lot of us, an appraisal is simply another fee on the break-sheet for a home purchase or refinance. While there are a budding number of automated home valuation processes that may seem cheaper than an appraisal, nearly all lenders still call for a local expert because the stakes are very high. You might assume that securing a mortgage is the only basis for getting an appraisal, but there are additional times when the services of a licensed, independent real estate professional might be helpful. 
Contest your tax assessment in Belknap CountyIt's probable you're paying too much in property taxes if you reside in an area where property values have depreciated. Ad Valorem taxes are based upon a past assessment of your real estate, so if prices are less than what they used to be in your neighborhood, you can challenge your assessment and save money. An appraisal from Ranjewel Appraisals is your best evidence when building your case. We can assist you in disputing your tax assessment. PMI removal to lower your mortgage paymentWhen the amount being loaned to the home owneris more than 80% of the actual value of the home, most lenders ask home owners to purchase this extra insurance plan. That policy is Private Mortgage Insurance, or PMI. Since the added payment is usually folded into the monthly mortgage payment, it is often forgotten. This is unfortunate because PMI is unnecessary when the remaining 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 passed by the United States Congress that requires lenders to do away with the PMI installments when the loan-to-value ratio conditions have been met. If you'd like to eliminate PMI, Ranjewel Appraisals will give you a statement regarding the value of your home. The price you paid for the home valuation can often be regained in just a few months because you'll no longer be paying the PMI. Get your appraisal from Ranjewel Appraisals Order onlineDivorce settlement with fewer hang-upsA divorce is often complicated by the challenging decision of who maintains the house, and it can be an especially horrible experience for both parties. So both parties are fully aware of the true market value of their property, it's a good idea to order an appraisal from Ranjewel Appraisals, regardless of the situation. If the parties want to sell the home, they'll have a clearer picture of what price to set. And if a "buyout" is the chosen option, both parties will feel like they've received a fair assessment. Fair and accurate estate liquidationLosing a loved one is a difficult time in life, and settling an estate from a death, or probate, often requires 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, ensuring the maximum degree of discretion. Most Americans do not have dedicated estate planners or executors to manage these issues, unlike wealthy individuals. And since a home or other property often makes up an uneven share of the total estate value, understanding the true value of the real estate at hand is of essential importance to ensuring disputing parties walk away knowing they've received a fair deal. Relocate to or from Belknap County through an employee relocation programEmployee relocation can be a stressful event, and we understand. That's why we take great care in organizing an accommodating appointment time for the appraisal inspection. During our detailed inspection, we recommend relocating employees to provide feedback on the positive attributes of their property, along with information about any recent sales or listings in their neighborhood that they want considered. Sell your home quickly — at an accurate priceWhether you choose 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 when determining your asking price. Apart from a real estate agent, an appraiser has no vested interest in what amount the house sells for. Our fees aren't a percentage of the sales price, but rather they depend on our efforts to complete the appraisal report. On a daily basis, we determine the difference in value items like an extra bathroom or a kitchen remodel can make. And we're experts in knowing how long homesare on the market. So, seeking a professional appraisal is a reliable way to decide 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. 
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