Orrell Associates, Inc. in Granite Falls perform appraisals for numerous reasons

To many, an appraisal is simply another fee in the long list of items for a mortgage or refinance. While there are a developing number of automated home valuation methods that may appear more economical than an appraisal, practically all lenders still call in a local expert because the stakes are very high. You might assume that securing a mortgage is the only reason you should get an appraisal, but there are additional cases when the services of a certified, independent real estate professional could come in handy.


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Let Orrell Associates, Inc. help you appeal your tax assessment in County

If you reside in an area where the value of property has declined, it's possible you're paying too much in property taxes. When building your case, an appraisal from Orrell Associates, Inc. is your best evidence. We're qualified to assist you in appealing your tax assessment.

Let Orrell Associates, Inc. help 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, nearly all lenders ask homebuyers to purchase an extra insurance plan. That policy is Private Mortgage Insurance, or PMI. Since the additional payment is usually bundled into the monthly mortgage payment, it is often forgotten. PMI is no longer required when the remaining balance of the loan - whether through market appreciation or principal pay down - dips below the 80% mark, making this very unfortunate. 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.

Orrell Associates, Inc. will produce a statement regarding the value of your home, and the price you paid for the appraisal can generally be recovered in little time because you'll no longer be paying the PMI.

Settling a divorce with less stress with an appraisal from Orrell Associates, Inc.

A divorce is often complicated by the challenging decision of who keeps the property, and it can be a particularly traumatic event for both parties. So both parties are fully aware of the true market value of their house, it's a good idea to order an appraisal from Orrell Associates, Inc., regardless of the circumstances.

The parties will have a clearer picture of what price to set, if they want to sell the home. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've received a fair assessment.

Accurate and fair estate liquidation

The loss of a loved one is a hard time in life, and settling an estate from a death, or probate, often entails an appraisal to establish Fair Market Value for the real estate involved. We guarantee the highest 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 issues, unlike wealthy individuals. And seeing that a home or other property often makes up an unequal share of the total estate value, understanding 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.

Relocating to or from County

We understand the stress associated with an employee relocation. That being said, we take great care in setting up an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide input on the positive features of their property, as well as information about any current sales or listings in their area that they want considered during our intensive process.

Sell your home quickly at the right price

Whether you decide to sell your home on your own or with the help of a real estate agent, a professional appraisal will help you make a better educated decision when determining your selling price. An appraiser has no vested interest in what amount the house sells for, which is different than the interest of real estate agents. Our fees aren't contingent upon the value we come up with, but rather they are based on our efforts to complete the appraisal.

On a daily basis, we examine the difference in value items like an extra bathroom or a kitchen remodel can make. Getting a professional appraisal is a reliable way to determine 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 properties stay on the market.