Central Wisconsin Appraisal Service in Stevenspoint are hired for a variety of reasons

To many, an appraisal is simply one more thing in the long list of items for a home purchase or refinance. Most lenders still call for a local expert because the stakes are so high, even though there are an increasing number of automated home valuation processes that might appear more prudent than an appraisal. You might assume that securing a mortgage is the only reason to acquire an appraisal, but there are additional times when the services of a licensed, independent real estate professional could come in handy.


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Challenge your tax assessment in Portage County

It's probable you're paying too much in property taxes if you reside in an area where property values have depreciated. Ad Valorem taxes are determined by a previous assessment of your real estate, so if values are less than what they used to be in your neighborhood, you can appeal your assessment and save money. When building your case, an appraisal from Central Wisconsin Appraisal Service is your best evidence. We're qualified to assist you in appealing your tax assessment.

Let Central Wisconsin Appraisal Service assist you in lowering your mortgage payment

Private Mortgage Insurance, or PMI, is an extra insurance policy that most lenders ask homeowners to buy when the amount being loaned to the homeowner is more than 80% of the actual value of the home. This extra payment is often folded into the monthly mortgage payment and is soon forgotten. This is unfortunate because PMI isn't required when the leftover balance of the loan - whether through market appreciation or principal pay down - dips below the 80% level. In fact, the Homeowners Protection Act (HPA) of 1998 was implemented by the United States Congress requiring lenders to eliminate the PMI payments on most mortgages when the balance is paid down to 78% of the original value.

Central Wisconsin Appraisal Service will provide you with a statement regarding the value of your home, and the price you paid for the appraisal can often be offset in a short amount of time because you'll no longer be paying the PMI.

Settling a divorce with less stress with an appraisal from Central Wisconsin Appraisal Service

A divorce is often complicated by the hard decision of who keeps the property, and it can be an especially traumatic event for both parties. It's a good idea to get an appraisal from Central Wisconsin Appraisal Service so both parties are entirely aware of the true market value of their house, regardless of the circumstances.

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 assessment.

Trustworthy estate liquidation

The 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 Market Value for the residential property 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).

Most Americans do not have dedicated estate planners or executors to manage these affairs, unlike wealthy individuals. A home or other property often makes up an uneven share of the total estate value, so knowing the true value of the real estate at hand is of essential importance to ensuring disputing parties walk away knowing they've received a fair deal.

Relocating to or from Portage County

Employee relocation is a stressful event. We know where you're coming from! We take great care in establishing a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide remarks on the positive features of their property, along with information about any current sales or listings in their neighborhood that they want considered during our intensive process.

Let Central Wisconsin Appraisal Service help you sell your home quickly at the right price

Whether you want to sell your home on your own or use the assistance of a real estate agent, a professional appraisal will help you make a more informed decision when determining your selling price. Separate from 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 calculated on our efforts to finish the appraisal.

On a daily basis, we determine the difference in value items like an extra bathroom or a kitchen remodel can make. Getting 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 stay on the market.