Why you should order an appraisal from Cranwood Appraisals

Every year, thousands of people in Florida buy, sell or refinance their home. A lot of these transactions involve a simple line item for an appraisal. While there are a developing number of automated home valuation systems that might appear more cost-effective than an appraisal, the majority of lenders still need a local expert because the stakes are very high. You might think that securing a mortgage is the only reason to acquire an appraisal, but there are additional cases when the services of a certified, independent real estate professional might be helpful.


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Challenge your tax assessment in Manatee County

It'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 previous assessment of your real estate, so if values have declined in your neighborhood, you can challenge your assessment and save money. When building your case, an appraisal from Cranwood Appraisals is your best evidence. We're capable of assisting you in appealing your tax assessment.

Getting rid of your PMI will lower your mortgage payment

When the amount being loaned to the homebuyer is more than 80% of the actual value of the home, nearly all lenders ask buyers to take out an added insurance policy. That policy is Private Mortgage Insurance, or PMI. Seeing that extra payment is usually folded into the monthly mortgage payment, it is often forgotten. PMI isn't required when the remaining balance of the loan - whether through market appreciation or principal pay down - dips below the 80% level, making this very unfortunate. In fact, the Homeowners Protection Act (HPA) of 1998 was approved by the United States Congress that requires lenders to dismiss the PMI payments when the balance is paid down to 78% of the original value.

Cranwood Appraisals can provide you with a statement regarding the value of your home, and the price you paid for the home valuation can usually be regained in just a few months because you'll no longer be paying the PMI.

An appraisal from Cranwood Appraisals will help you settle a divorce with less stress

A divorce can be a particularly daunting event for both parties, and it is often more complicated by the troublesome decision of who keeps the house. So both parties are fully aware of the true market value of their home, it's a good idea to order an appraisal from Cranwood Appraisals, regardless of the circumstances.

The parties will have a a good idea of what price to set, if they need to sell the home. 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 loss of a loved one is a painful 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 fullest 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 manage these matters. And seeing that a home or other property often makes up an uneven share of the total estate value, understanding the certain value of the real estate at hand is of vital importance to ensuring disputing parties leave knowing they've gotten a fair deal.

Let Cranwood Appraisals assist you in relocating to or from Manatee County

We know the stress involved with an employee relocation. We take great care in setting up a convenient appointment time for the appraisal inspection. During our thorough process, we recommend relocating employees to provide input on the positive aspects of their property, along with information about any current sales or listings in their area that they want considered.

Selling your home quickly at the right price with an appraisal from Cranwood Appraisals

Whether you want to sell your home on your own or use the assistance of a real estate agent, a professional appraisal can help you make a more informed decision when determining your selling price. An appraiser has no vested interest in what price the house sells for, which is different than the interest of real estate agents. The price we charge isn't contingent upon the value we come up with, but rather they are calculated on our efforts to finish the appraisal.

We determine the difference in value things like an extra bathroom or a kitchen remodel can make on a daily basis. Seeking a professional appraisal is a trusted way to determine 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 are one the market.