There are lots of reasons the public calls on Trademark Appraisal Service, LLC

Thousands of people in Oregon purchase, sell or refinance their home every month. Most of these transactions have a simple line item for an appraisal. Practically all lenders still call for a local expert because the stakes are very high, even though there are an increasing number of automated home valuation processes that might appear more cost-effective than an appraisal. You might think that getting a mortgage is the only reason you should get an appraisal, but there are other times when the services of a certified, independent real estate professional might be beneficial.

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Dispute your tax assessment in Clackamas County

It's quite possible 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 home, so if values have declined in your area, you can challenge your assessment and save money. An appraisal from Trademark Appraisal Service, LLC is your best evidence when building your case. We're equipped to assist you in challenging your tax assessment.

PMI removal to lower your mortgage payment

Private Mortgage Insurance, or PMI, is an additional insurance policy that most lenders ask home buyers to purchase when the amount being loaned to the home owner is more than 80% of the actual value of the home. This added payment is often folded into the monthly mortgage payment and is soon forgotten. This is damaging because PMI becomes unnecessary when the remaining balance of the loan - whether through market appreciation or principal pay down - falls below the 80% level. 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.

Trademark Appraisal Service, LLC will produce a statement regarding the value of your home, and the price you paid for the appraisal can usually be regained in just a few months because you'll no longer be paying the PMI.

Divorce settlement with less stress

A divorce is often complicated by the hard decision of who gets the house, and it can be an especially heartbreaking experience for both parties. It's a good idea to get an appraisal from Trademark Appraisal Service, LLC so both parties are entirely aware of the true market value of their home, regardless of the situation.

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 received a fair assessment.

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 residential property involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, guaranteeing the highest degree of discretion.

Unlike wealthier individuals, most Americans do not have dedicated estate planners or executors to manage these affairs. 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 vital importance to ensuring disputing parties walk away knowing they've gotten a fair deal.

Relocating to or from Clackamas County?

Moving due to a job change is a real pain. We know where you're coming from! We take great care in setting up a convenient appointment time for the appraisal inspection. During our intensive process, we encourage relocating employees to provide remarks on the positive attributes of their property, along with information regarding any new sales or listings in their neighborhood that they want considered.

Sell your home quickly at the right price

A professional appraisal will help you make a better educated decision regarding your selling price, whether you want to sell your home on your own or with the help of a real estate agent. With much different interests than a real estate agent, an appraiser has no vested interest in what price the house sells for. Our fees aren't a percentage of the sales price, but rather they rest on our efforts to finish the appraisal.

On a daily basis, we analyze the difference in value things like an additional bathroom or a kitchen remodel can make. Obtaining a professional appraisal is a trusted 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 an unnecessarily long time - because we're experts in knowing how long homes are one the market.