There are lots of reasons the public calls on Lusk Appraisal Company

To many, an appraisal is simply a line item in the long list of items for a home sale or refinance. Practically all lenders still want a local expert because the stakes are very high, even though there are an increasing number of automated home valuation systems that might appear to be less expensive than an appraisal. You might believe that obtaining a mortgage is the only reason you should get an appraisal, but there are additional cases when the services of a certified, independent real estate professional could be helpful.

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Appeal your tax assessment in Onslow County

If you live in an area where property values have declined, it's possible you're paying too much in property taxes. An appraisal from Lusk Appraisal Company is your best evidence when building your case. At Lusk Appraisal Company,we can assist you in challenging your tax assessment.

Lusk Appraisal Company can help you get rid of PMI to lower your mortgage payment

When the amount being loaned to the home buyer is more than 80% of the actual value of the property, nearly all lenders ask home buyers to buy an extra insurance policy. That policy is Private Mortgage Insurance, or PMI. This extra payment is often bundled into the monthly mortgage payment and is promptly forgotten. PMI becomes unnecessary when the remaining balance of the loan - whether through market appreciation or principal pay down - decreases below the 80% level, making this very unfavorable. In fact, the United States Congress implemented a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to remove the PMI installments when the loan-to-value ratio conditions have been met.

If you'd like to do away with PMI, Lusk Appraisal Company will give you a statement regarding the value of your home. The cost of the home valuation can generally be recovered in a short amount of time because you'll no longer be paying the PMI.

An appraisal from Lusk Appraisal Company will help you settle a divorce with less stress

A divorce can be a particularly daunting ordeal for both parties, and it is often more complicated by the troublesome decision of who keeps the home. It's a good idea to order an appraisal from Lusk Appraisal Company so both parties are entirely aware of the true market value of their house, regardless of the circumstances.

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.

Settling an estate with peace of mind

The death of 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. We guarantee the maximum 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 don't have dedicated estate planners or executors to take care of these matters. And seeing that a home or other property often makes up an uneven share of the total estate value, knowing the precise value of the real estate at hand is of vital importance to ensuring disputing parties walk away knowing they've gotten an honest deal.

Relocating to or from Onslow County?

Moving due to a job change is a more than just an inconvenience. We know where you're coming from. That being said, we take great care in setting up a convenient appointment time for the appraisal inspection. During our detailed process, we encourage relocating employees to provide feedback on the positive characteristics of their property, along with information regarding any recent sales or listings in their area that they want considered.

Sell your home quickly at the right price

Whether you want 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 asking price. An appraiser has no vested interest in what amount the house sells for, which is different than the interest of real estate agents. The price we charge isn't contingent upon the value opinion we render, but rather they are based on our efforts to finish the appraisal.

On a daily basis, we determine the difference in value items like an additional bathroom or a kitchen remodel can make. And we're experts in knowing how long properties stay on the market. So, seeking 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.