Why order an appraisal from Clerget Appraisal Service?

To many, an appraisal is simply one more thing in the long list of items for a home sale or refinance. Nearly 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 might seem more economical than an appraisal. You might think that obtaining a mortgage is the only reason to acquire an appraisal, but there are more cases when the services of a licensed, independent real estate professional might be beneficial.

When you're planning on any transaction where the worth of your real estate is in question, contact Clerget Appraisal Service. Just click here

Let Clerget Appraisal Service help you dispute your tax assessment in Shelby County

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

How can you eliminate PMI to lower your mortgage payment?

When the amount being loaned to the home buyer is more than 80% of the actual value of the home, almost all lenders ask buyers to take out an supplemental insurance plan. That policy is Private Mortgage Insurance, or PMI. Oftentimes, this additional payment is lumped into the monthly mortgage payment and is quickly 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 unfortunate. In fact, the United States Congress invoked a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to remove the PMI installments when the loan-to-value ratio conditions have been met.

Clerget Appraisal Service will produce a statement regarding the value of your home, and the price you paid for the appraisal can generally be regained in just a few months because you'll no longer be paying the PMI.

Settling a divorce with less stress

A divorce can be a very traumatic event for both parties, and it is often even more complicated by the troublesome decision of who gets the house. It's a good idea to get an appraisal from Clerget Appraisal Service so both parties are completely aware of the true market value of their property, regardless of the situation.

If the parties wish 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 evaluation.

Settling an estate with peace of mind

The death of a loved one is a difficult time in life, and settling an estate from a death, or probate, often entails an appraisal to establish Fair Market Value for the residential property involved. We guarantee 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 take care of these affairs, unlike many wealthy individuals. A home or other property often makes up a disproportionate share of the total estate value, so knowing the true worth of the real estate at hand is of vital importance to ensuring disputing parties walk away knowing they've received an honest deal.

Let Clerget Appraisal Service assist you in relocating to or from Shelby County

Moving due to a job change is a more than just an inconvenience, and we understand. That being said, we take great care in establishing an accommodating appointment time for the appraisal inspection. During our intensive process, we recommend employees that are moving to provide remarks on the positive aspects of their property, as well as information regarding any recent sales or listings in their neighborhood that they want considered.

Let Clerget Appraisal Service help you sell your home quickly at the right price

A professional appraisal will help you make a better educated decision regarding your selling price, whether you choose to sell your home on your own or use the assistance of a real estate agent. With much different interests than a real estate agent, an appraiser has no vested interest in what price the house sells for. Our fees aren't related to the sales price, but rather they depend on our efforts to finish the appraisal.

We examine the difference in value things like an extra bathroom or a kitchen remodel can make on a daily basis. Obtaining a professional appraisal is a trusted 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 houses stay on the market.