Why would you need an appraisal from Campbell and Cress Appraisal Service?

To a lot of us, an appraisal is simply another fee on the break-sheet for a home purchase or refinance. And while there are an increasing number of automated home valuation methods that might appear more practical than an appraisal, most lenders still call for a local expert because the stakes are very high. But is securing a mortgage the only basis for getting an appraisal? Are there other situations when the services of a licensed, independent real estate professional could be beneficial? Absolutely.


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Dispute your tax assessment in Iredell County

If you live 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 Campbell and Cress Appraisal Service is your best evidence. We're capable of assisting you in challenging your tax assessment.

Let Campbell and Cress Appraisal Service help you lower your mortgage payment

Private Mortgage Insurance, or PMI, is an additional insurance policy that many lenders ask home buyers to buy when the amount being loaned to the homebuyer is more than 80% of the actual value of the property. Since the extra payment is usually folded into the monthly mortgage payment, it is often forgotten. PMI is unnecessary when the leftover balance of the loan - whether through market appreciation or principal pay down - falls below the 80% mark, making this very unfavorable. In fact, the United States Congress invoked a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to do away with the PMI payments when the loan-to-value ratio conditions have been met.

Campbell and Cress Appraisal Service will produce a statement regarding the value of your home, and the expense of the appraisal can usually be regained in a short amount of time because you'll no longer be paying the PMI.

An appraisal from Campbell and Cress Appraisal Service will help you settle a divorce with less stress

A divorce is often complicated by the hard decision of who gets the home, and it can be an especially traumatic occurrence 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 Campbell and Cress Appraisal Service, regardless of the situation.

The parties will have a better 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.

Settling an estate with peace of mind

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 residential property involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, ensuring the fullest degree of discretion.

Unlike wealthy individuals, most Americans do not have dedicated estate planners or executors to take care of these affairs. And since a home or other property often makes up an uneven share of the total estate value, knowing the true value of the real estate at hand is of vital importance to ensuring disputing parties leave knowing they've received a fair deal.

Campbell and Cress Appraisal Service can help you with relocating to or from Iredell County

We are familiar with the stress involved with an employee relocation. That being said, we take great care in establishing a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide input on the positive attributes of their property, as well as information about any current sales or listings in their neighborhood that they want considered during our thorough process.

Sell your home quickly at the right price with an appraisal from Campbell and Cress Appraisal Service

Whether you decide 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 regarding your selling price. An appraiser has no vested interest in what price the house sells for, unlike real estate agents. Our fees are based on our efforts to complete the appraisal report and and aren't related to the sales price.

We analyze the difference in value things like an extra bathroom or a kitchen remodel can make on a daily basis. And we're experts in knowing how long houses stay on the market. So, getting a professional appraisal is a trusted way to determine 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.