Reasons to consider an appraisal from MVP Appraisal GroupThousands of people in Missouri buy, sell or refinance their home each year. A lot of these transactions contain a simple line item for an appraisal. And while there are a budding number of automated home valuation processes that may appear less expensive than an appraisal, almost all lenders still want a local expert because the stakes are incredibly high. Is securing a mortgage the only reason to acquire an appraisal? Are there additional cases when the services of a licensed, independent real estate professional could be helpful? You bet. 
Contest your tax assessmentIt's likely you're paying too much in property taxes if you reside in an area where property values have declined. Property taxes are based upon a past assessment of your house, so if values have declined in your neighborhood, you can challenge your assessment and save money. An appraisal from MVP Appraisal Group is your best evidence when building your case. We can assist you in challenging your tax assessment. PMI removal to reduce a mortgage paymentWhen the amount being loaned to the buyeris more than 80% of the actual value of the real estate, almost all lenders ask home buyers to take out this added insurance plan. That policy is Private Mortgage Insurance, or PMI. Most often, this added payment is lumped into the monthly mortgage payment and is promptly forgotten. This is bad because PMI is unnecessary when the remainder of the loan - whether through market appreciation or principal pay down - goes below the 80% level. In fact, the Homeowners Protection Act (HPA) of 1998 was invoked by the United States Congress that requires lenders to do away with the PMI payments when the loan-to-value ratio conditions have been met. If you'd like to do away with PMI, MVP Appraisal Group will give you a statement regarding the value of your home. The expense of the appraisal can usually be recovered in a short amount of time because you'll no longer be paying the PMI. Get your appraisal from MVP Appraisal Group Order onlineGet a fair valuation on a home for divorce settlementsA divorce is an especially daunting ordeal for the parties involved, and it is often further complicated by the troublesome decision of who maintains the property. Regardless of the circumstances, it's a good idea to order an appraisal from MVP Appraisal Group so both parties are fully aware of the true market value of their house. The parties will have a better idea of what price to set, if they want to sell the home. And if a "buyout" is the chosen option, both parties will feel like they've received a fair assessment. Ascertain a fair and accurate valuation for estate liquidationThe loss of a loved one is a hard time in life, and settling an estate from a death, or probate, often requires an appraisal to establish Fair Market Value for the real estate 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 wealthier individuals, most Americans do not have dedicated estate planners or executors to handle these issues. And seeing that 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 significant importance to ensuring disputing parties leave knowing they've received an honest deal. Relocate to or from Saint Charles County through an employee relocation programWe are familiar with the stress associated with an employee relocation. We take great care in organizing an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide feedback on the positive characteristics of their property, along with information regarding any current sales or listings in their neighborhood that they want considered during our thorough inspection. Sell your home quickly — at an accurate priceA professional appraisal will help you make a better educated decision regarding your asking price, whether you want to sell your home on your own or use the assistance of a real estate agent. Unlike a real estate agent, an appraiser has no vested interest in what price the house sells for. Our fees depend on our efforts to complete the appraisal report and and aren't related to the sales price. On a daily basis, we analyze the difference in value items like an extra bathroom or a kitchen remodel can make. And we're experts in knowing how long homesstay on the market. So, obtaining a professional appraisal is a trusted 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. 
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