Why you should hire an appraiser

To a lot of people, an appraisal is simply another fee in the long list of items for a home purchase or refinance. Almost all lenders still call for a local expert because the stakes are very high, even though there are a developing number of automated home valuation methods that may appear less expensive than an appraisal. You might think that obtaining a mortgage is the only basis for getting an appraisal, but there are more situations when the services of a certified, independent real estate professional might be beneficial.


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Let Accu-Comp Appraisals help you challenge your tax assessment in Cook County

It's quite possible you're paying too much in property taxes if you live in an area where property values have declined. Property taxes are based upon a previous assessment of your real estate, so if prices are less than what they used to be in your area, you can appeal your assessment and save money. When building your case, an appraisal from Accu-Comp Appraisals is your best evidence. We're capable of assisting you in appealing your tax assessment.

Accu-Comp Appraisals can help you get rid of PMI to lower your mortgage payment

When the amount being loaned to the home owner is more than 80% of the actual value of the home, most lenders ask buyers to take out an added insurance plan. That policy is Private Mortgage Insurance, or PMI. This extra payment is often lumped into the monthly mortgage payment and is quickly forgotten. PMI isn't required when the remainder of the loan - whether through market appreciation or principal pay down - falls below the 80% level, making this very unfortunate. In fact, the United States Congress passed a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to dismiss the PMI installments when the loan-to-value ratio conditions have been met.

Accu-Comp Appraisals will provide you with a statement regarding the value of your home, and the price you paid for the appraisal can usually be regained in little time because you'll no longer be paying the PMI.

Divorce settlement with less stress

A divorce can be a very daunting experience for both parties, and it is often even more complicated by the difficult decision of who keeps the house. It's a good idea to order an appraisal from Accu-Comp Appraisals so both parties are completely aware of the true market value of their home, regardless of the circumstances.

The parties will have a a good idea of what price to set, if they need 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 evaluation.

Fair and accurate estate liquidation with Accu-Comp AppraisalsSettling an estate

The loss of a loved one is a difficult time in life, and settling an estate from a death, or probate, often requires an appraisal to establish 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).

Unlike many wealthy individuals, most Americans do not have dedicated estate planners or executors to handle these issues. A home or other property often makes up a disproportionate share of the total estate value, so knowing the true value of the real estate at hand is of significant importance to ensuring disputing parties walk away knowing they've gotten a fair deal.

Accu-Comp Appraisals can assist you in relocating to or from Cook County

We are aware of the headaches involved with an employee relocation. We take great care in organizing an accommodating appointment time for the appraisal inspection. During our detailed process, we recommend employees that are moving to provide input on the positive features of their property, along with information about any new sales or listings in their neighborhood that they want considered.

Selling your home quickly at the right price with an appraisal from Accu-Comp Appraisals

Whether you choose to sell your home on your own or use the assistance of a real estate agent, a professional appraisal can help you make a more informed decision when determining your asking price. An appraiser has no vested interest in what price the house sells for, unlike real estate agents. Our fees are derived from our efforts to perform the appraisal report and and aren't related to the sales price.

On a daily basis, we analyze the difference in value things like an extra bathroom or a kitchen remodel can make. Seeking a professional appraisal is a reliable way to decide 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 properties are one the market.