6 Reasons you should order an appraisal from Cross AppraisalsEach year, thousands of people in buy, sell or refinance their home. Most of these transactions have a simple line item for an appraisal. The majority of lenders still call in a local expert because the stakes are so high, even though there are a budding number of automated home valuation methods that might seem cheaper than an appraisal. Is securing a mortgage the only basis for getting an appraisal? Are there additional cases when the services of a certified, independent real estate professional could come in handy? You bet there are. 
Dispute your tax assessmentIt's probable 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 home, so if prices are less than what they used to be in your neighborhood, you can challenge your assessment and save money. When building your case, an appraisal from us is your best evidence. At Cross Appraisals , we're qualified to assist you in disputing your tax assessment. PMI removal to lower a mortgage paymentWhen the amount being loaned to the home buyeris more than 80% of the actual value of the real estate, nearly all lenders ask home owners to take out this extra insurance plan. That policy is Private Mortgage Insurance, or PMI. This added payment is often bundled into the monthly mortgage payment and is soon forgotten. This is unfavorable because PMI is no longer required when the remainder of the loan - whether through market appreciation or principal pay down - dips below the 80% level. In fact, the United States Congress implemented a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to do away with the PMI installments when the loan-to-value ratio conditions have been met. Cross Appraisals will give you a statement regarding the value of your home, and the expense of the home valuation can often be recovered in just a few months because you'll no longer be paying the PMI. Order your appraisal from Cross Appraisals today Order onlineSettle a divorce with less stressA divorce can be a very traumatic experience for both parties, and it is often even more complicated by the challenging decision of who keeps the house. So both parties are entirely aware of the true market value of their house, it's a good idea to get an appraisal from Cross Appraisals , regardless of the circumstances. The parties will have a good idea of what price to set, if they need to sell the home. And if a "buyout" is the chosen option, both parties will feel like they've gotten a fair evaluation. Ascertain an accurate and fair valuation for estate liquidationLosing a loved one is a painful time in life, and settling an estate from a death, or probate, often entails an appraisal to establish Fair Market Value for the real estate involved. We ensure 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 don't have dedicated estate planners or executors to manage these affairs, unlike many wealthy individuals. 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 vital importance to ensuring disputing parties walk away knowing they've received a fair deal. Move to or from Maricopa County for workWe understand the stress involved with an employee relocation. That's why we take great care in setting up a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide input on the positive aspects of their property, as well as information about any new sales or listings in their area that they want considered during our intensive inspection. Sell your home quickly — for an accurate priceA professional appraisal will help you make a more informed decision regarding your selling price, whether you want to sell your home on your own or with the help of a real estate agent. An appraiser has no vested interest in what price the house sells for, unlike real estate agents. Our fees rest on our efforts to finish the appraisal report and and aren't related to the sales price. We examine the difference in value items like an additional bathroom or a kitchen remodel can make on a daily basis. And we're experts in knowing how long homesare on the market. So, getting a professional appraisal is a reliable 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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