Reasons to order an appraisal

Thousands of people in Utah purchase, sell or refinance their home each year. Many of these transactions include a simple line item for an appraisal. While there are a budding number of automated home valuation systems that may appear to be more economical than an appraisal, practically all lenders still call for a local expert because the stakes are so high. But is obtaining a mortgage the only basis for getting an appraisal? Are there additional instances when the services of a licensed, independent real estate professional might be helpful? Of course there are.


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Let Liberty Appraisal Group, Inc. help you challenge your tax assessment in Salt Lake County

It's possible you're paying too much in property taxes if you live in an area where property values have depreciated. Property taxes are based upon a past assessment of your real estate, so if prices have gone down in your neighborhood, you can appeal your assessment and save money. When building your case, an appraisal from Liberty Appraisal Group, Inc. is your best evidence. At Liberty Appraisal Group, Inc.,we can assist you in challenging your tax assessment.

PMI removal to lower your mortgage payment

When the amount being loaned to the home buyer is more than 80% of the actual value of the real estate, most lenders ask home buyers to purchase an added insurance policy. That policy is Private Mortgage Insurance, or PMI. Seeing that additional payment is usually bundled into the monthly mortgage payment, it is often forgotten. This is unfavorable because PMI is unnecessary when the leftover balance of the loan - whether through market appreciation or principal pay down - goes below the 80% mark. In fact, the Homeowners Protection Act (HPA) of 1998 was approved by the United States Congress that requires lenders to dismiss the PMI installments when the balance is paid down to 78% of the original value.

Liberty Appraisal Group, Inc. will give you a statement regarding the value of your home, and the price you paid for the appraisal can often be offset in just a few months because you'll no longer be paying the PMI.

Settling a divorce with less stress with an appraisal from Liberty Appraisal Group, Inc.

A divorce is an especially daunting event for the parties involved, and it is often even more complicated by the challenging decision of who gets the house. It's a good idea to get an appraisal from Liberty Appraisal Group, Inc. so both parties are completely aware of the true market value of their property, regardless of the situation.

The parties will have a better idea of what price to set, if they wish to sell the home. And if a "buyout" is the chosen option, both parties will feel like they've received a fair evaluation.

Settling an estate with peace of mind

The death of a loved one is a hard time in life, and settling an estate from a death, or probate, often calls for 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 maximum degree of discretion.

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

Liberty Appraisal Group, Inc. can assist you in relocating to or from Salt Lake County

We are familiar with the headaches involved with an employee relocation. We take great care in organizing a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide remarks on the positive aspects of their property, as well as information regarding any current sales or listings in their area that they want considered during our thorough process.

Let Liberty Appraisal Group, Inc. help you sell your home quickly at the right price

A professional appraisal can help you make a better educated decision when determining your selling price, whether you want to sell your home on your own or use the assistance of a real estate agent. With much different interests than a real estate agent, an appraiser has no vested interest in what amount the house sells for. Our fees aren't related to the sales price, but rather they are based on our efforts to complete the appraisal.

We determine the difference in value items like an extra bathroom or a kitchen remodel can make on a daily basis. And we're experts in knowing how long properties stay on the market. So, seeking a professional appraisal is a trusted 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 for an extended amount of time.