Reasons someone would call Campbell and Cress Appraisal Service

To many, an appraisal just looks like another fee on the break-sheet for a mortgage or refinance. And even though there are an increasing number of automated home valuation methods that may appear to be less expensive than an appraisal, practically all lenders still need a local expert because the stakes are so high. But is securing a mortgage the only reason to acquire an appraisal? Are there other cases when the services of a certified, independent real estate professional might come in handy? Absolutely.


	For real estate appraisals in Statesville and Iredell County, it's easiest when your order online from Campbell and Cress Appraisal Service, just click here.

Challenge your tax assessment in Iredell County

If you live in an area where the value of property has depreciated, 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. At Campbell and Cress Appraisal Service,we can assist you in challenging your tax assessment.

Removing PMI will lower your mortgage payment

Private Mortgage Insurance, or PMI, is an added insurance plan that many lenders ask buyers to purchase when the amount being loaned to the homeowner is more than 80% of the actual value of the home. Seeing that extra payment is usually bundled into the monthly mortgage payment, it is often forgotten. PMI isn't necessary when the leftover balance of the loan - whether through market appreciation or principal pay down - dips 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.

If you'd like to get rid of PMI, Campbell and Cress Appraisal Service will produce a statement regarding the value of your home. The price you paid for the appraisal can generally be recovered in little time because you'll no longer be paying the PMI.

Divorce settlement with less stress

A divorce can be a particularly traumatic experience for both parties, and it is often more complicated by the troublesome decision of who gets the property. Regardless of the situation, it's a good idea to get an appraisal from Campbell and Cress Appraisal Service so both parties are completely aware of the true market value of their property.

If the parties wish to sell the home, they'll have a better idea of what price to set. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've gotten a fair assessment.

Accurate and fair estate liquidation

Losing a loved one is a painful 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 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).

Unlike wealthy individuals, most Americans don't have dedicated estate planners or executors to handle these issues. And seeing that a home or other property often makes up an unequal share of the total estate value, knowing the absolute value of the real estate at hand is of essential importance to ensuring disputing parties leave knowing they've received an honest deal.

Let Campbell and Cress Appraisal Service assist you in relocating to or from Iredell County

We know the stress associated with an employee relocation. That's why we take great care in setting up a convenient appointment time for the appraisal inspection. During our thorough process, we recommend employees that are moving to provide feedback on the positive characteristics of their property, along with information about any current sales or listings in their neighborhood that they want considered.

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

A professional appraisal will help you make a more informed decision when determining your selling price, whether you choose to sell your home on your own or with the help of a real estate agent. Unlike a real estate agent, an appraiser has no vested interest in what price the house sells for. The price we charge isn't contingent upon the value we report, but rather they are based on our efforts to complete the appraisal.

On a daily basis, we determine the difference in value things like an additional bathroom or a kitchen remodel can make. Getting a professional appraisal is a trusted way to determine 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 - because we're experts in knowing how long homes stay on the market.