Getting an appraisal from Metro Appraisals

Thousands of people in Oklahoma buy, sell or refinance their home each month. Many of these transactions involve a simple line item for an appraisal. Even though there are a multiplying number of automated home valuation systems that may appear cheaper than an appraisal, most lenders still call for a local expert because the stakes are so high. But is obtaining a mortgage the only reason to get an appraisal? Are there also cases when the services of a certified, independent real estate professional could come in handy? Absolutely.


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Dispute your tax assessment in Oklahoma County

It's probable you're paying too much in property taxes if you reside in an area where property values have depreciated. Property taxes are based upon a previous assessment of your real estate, so if prices are less than what they used to be in your area, you can challenge your assessment and save money. When building your case, an appraisal from Metro Appraisals is your best evidence. At Metro Appraisals, we're capable of assisting you in disputing your tax assessment.

Metro Appraisals can help you get rid of PMI to lower your mortgage payment

When the amount being loaned to the buyer is more than 80% of the actual value of the real estate, most lenders ask home buyers to take out an additional insurance policy. That policy is Private Mortgage Insurance, or PMI. Seeing that added payment is usually folded into the monthly mortgage payment, it is often forgotten. PMI becomes unnecessary when the leftover balance of the loan - whether through market appreciation or principal pay down - falls below the 80% level, making this very unfortunate. In fact, the United States Congress invoked a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to eliminate the PMI installments when the loan-to-value ratio conditions have been met.

If you'd like to get rid of PMI, Metro Appraisals can produce a statement regarding the value of your home. The expense of the home valuation can usually be regained in just a few months because you'll no longer be paying the PMI.

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

A divorce is often complicated by the strenuous decision of who maintains the property, and it can be a particularly heartbreaking experience for both parties. It's a good idea to order an appraisal from Metro Appraisals so both parties are completely aware of the true market value of their house, regardless of the circumstances.

The parties will have a clearer picture 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 real estate involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, guaranteeing the highest degree of discretion.

Most Americans do not have dedicated estate planners or executors to handle these issues, unlike wealthy individuals. 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 essential importance to ensuring disputing parties leave knowing they've gotten an honest deal.

Metro Appraisals can assist you in relocating to or from Oklahoma County

We are aware of the stress involved with an employee relocation. We take great care in establishing a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide input on the positive features of their property, along with information regarding any recent sales or listings in their neighborhood that they want considered during our detailed process.

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

A professional appraisal will help you make a better educated decision when determining your asking price, whether you choose to sell your home on your own or use the assistance of a real estate agent. An appraiser has no vested interest in what price the house sells for, which is different than the interest of real estate agents. Our fees depend on our efforts to complete the appraisal report and and aren't related to the sales price.

We analyze 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 are on the market. So, obtaining a professional appraisal is a reliable way to decide 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 too long, costing you time and money.