Let Childress and Associates attend to your appraisal needsEvery year, thousands of people in Arizona purchase, sell or refinance their home. Most of these transactions contain a simple line item for an appraisal. And even though there are a multiplying number of automated home valuation systems that might seem more practical than an appraisal, most lenders still need a local expert because the stakes are so high. You might believe that obtaining a mortgage is the only reason to get an appraisal, but there are additional cases when the services of a certified, independent real estate professional might be helpful. 
Appeal your tax assessment in Kern CountyIf you are in an area where property values have declined, it's possible you're paying too much in property taxes. An appraisal from Childress and Associates is your best evidence when building your case. We can assist you in challenging your tax assessment. PMI removal to lower a mortgage paymentWhen the amount being loaned to the homebuyeris more than 80% of the actual value of the property, many lenders ask homeowners to take out this extra insurance policy. That policy is Private Mortgage Insurance, or PMI. More often than not, this added payment is lumped into the monthly mortgage payment and is promptly forgotten. PMI becomes unnecessary when the remaining balance of the loan - whether through market appreciation or principal pay down - falls below the 80% mark, making this very unfortunate. In fact, the United States Congress passed a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to dismiss the PMI payments when the loan-to-value ratio conditions have been met. Childress and Associates can provide you with a statement regarding the value of your home, and the price you paid for the appraisal can usually be offset in little time because you'll no longer be paying the PMI. Order your appraisal from Childress and Associates today Order onlineGet a clear valuation on a home for divorce settlementsA divorce can be a particularly traumatic experience for both parties, and it is often more complicated by the strenuous decision of who maintains the house. It's a good idea to order an appraisal from Childress and Associates so both parties are completely aware of the true market value of their house, regardless of the situation. If the parties need to sell the home, they'll have a a good idea of what price to set. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've received a fair assessment. Fair and accurate estate liquidationLosing 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 Fair Market Value for the residential property involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, ensuring the utmost degree of discretion. Unlike many wealthy individuals, most Americans don't have dedicated estate planners or executors to handle these issues. A home or other property often makes up an unequal share of the total estate value, so understanding the true worth of the real estate at hand is of essential importance to ensuring disputing parties leave knowing they've received an honest deal. Move to or from Kern County for workEmployee relocation can be a stressful event, and we understand. That's why we take great care in establishing an accommodating appointment time for the appraisal inspection. During our intensive inspection, we recommend relocating employees to provide remarks on the positive attributes of their property, as well as information regarding any current sales or listings in their area that they want considered. Close on your home promptly — at an accurate priceWhether you choose to sell your home on your own or with the help of a real estate agent, a professional appraisal can help you make a more informed decision regarding your selling price. Apart from 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 are calculated on our efforts to complete the appraisal report. We determine the difference in value things like an extra bathroom or a kitchen remodel can make on a daily basis. 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 properties are one the market. 
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