Reasons someone would use the services of DESERT SKIES APPRAISAL GROUP, LLC

To many, an appraisal just looks like a line item in the long list of items for a home purchase or refinance. And while there are an increasing number of automated home valuation processes that might seem more cost-effective than an appraisal, most lenders still call in a local expert because the stakes are so high. But is obtaining a mortgage the only basis for getting an appraisal? Are there also times when the services of a certified, independent real estate professional might be beneficial? You bet there are.


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Let DESERT SKIES APPRAISAL GROUP, LLC help you challenge your tax assessment in Deschutes County

It's likely you're paying too much in property taxes if you live in an area where property values have depreciated. Property taxes are based upon a past assessment of your home, so if values have declined in your area, you can appeal your assessment and save money. When building your case, an appraisal from DESERT SKIES APPRAISAL GROUP, LLC is your best evidence. We're qualified to assist you in disputing your tax assessment.

Removing PMI will lower your mortgage payment

Private Mortgage Insurance, or PMI, is a supplemental insurance plan that nearly all lenders ask home buyers to buy when the amount being loaned to the buyer is more than 80% of the actual value of the home. Seeing that additional payment is usually bundled into the monthly mortgage payment, it is often forgotten. PMI is unnecessary when the remainder of the loan - whether through market appreciation or principal pay down - decreases below the 80% mark, making this very unfavorable. In fact, the United States Congress passed 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.

DESERT SKIES APPRAISAL GROUP, LLC can produce a statement regarding the value of your home, and the cost of the appraisal can generally be regained in little time because you'll no longer be paying the PMI.

Divorce settlement with less stress

A divorce is often complicated by the hard decision of who keeps the property, and it can be a particularly heartbreaking experience for both parties. Regardless of the situation, it's a good idea to get an appraisal from DESERT SKIES APPRAISAL GROUP, LLC so both parties are entirely aware of the true market value of their home.

The parties will have a good idea of what price to set, if they need to sell the home. And if a "buyout" is the chosen option, both parties will feel like they've gotten a fair evaluation.

Accurate and fair estate liquidation with help from DESERT SKIES APPRAISAL GROUP, LLCSettling an estate

Losing a loved one is a difficult time in life, and settling an estate from a death, or probate, often entails 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).

Unlike many wealthy individuals, most Americans do not have dedicated estate planners or executors to take care of these affairs. And seeing that a home or other property often makes up a disproportionate share of the total estate value, understanding the absolute value of the real estate at hand is of vital importance to ensuring disputing parties leave knowing they've gotten an honest deal.

Relocating to or from Deschutes 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 detailed process, we suggest employees that are moving to provide feedback on the positive attributes of their property, along with information about any current sales or listings in their area that they want considered.

Don't sell out for too little or let your home stay on the market too long.

A professional appraisal can help you make a better educated decision regarding your selling price, whether you choose to sell your home on your own or with the help of a real estate agent. With much different interests than a real estate agent, an appraiser has no vested interest in what amount the house sells for. Our fees are based on our efforts to perform the appraisal report and not a percentage of the sales price.

We examine the difference in value items like an additional 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 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 - because we're experts in knowing how long houses are one the market.