Koss Real Property in Appleton are hired for numerous clients

To many, an appraisal just looks like another cost in the long list of items for a mortgage or refinance. Even though there are a developing number of automated home valuation processes that might seem more practical than an appraisal, practically all lenders still call for a local expert because the stakes are so high. But is securing a mortgage the only basis for getting an appraisal? Are there additional instances when the services of a licensed, independent real estate professional could be helpful? Absolutely.


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Dispute your tax assessment in Outagamie County

If you live in an area where the value of property has depreciated, it's possible you're paying too much in property taxes. An appraisal from Koss Real Property is your best evidence when building your case. At Koss Real Property,we can assist you in disputing your tax assessment.

How can 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 property, most lenders ask home owners to purchase an extra insurance policy. That policy is Private Mortgage Insurance, or PMI. Most often, this additional payment is folded into the monthly mortgage payment and is soon forgotten. PMI is no longer required when the remainder 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 requiring lenders to do away with the PMI installments on most mortgages when the balance is paid down to 78% of the original value.

Koss Real Property will produce a statement regarding the value of your home, and the cost of the home valuation can generally be offset in just a few months because you'll no longer be paying the PMI.

Settling a divorce with less stress

A divorce is an especially traumatic ordeal for the parties involved, and it is often further complicated by the challenging decision of who maintains the home. So both parties are completely aware of the true market value of their property, it's a good idea to order an appraisal from Koss Real Property, 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 gotten a fair assessment.

Settling an estate with peace of mind

The death of a loved one is a difficult time in life, and settling an estate from a death, or probate, often requires 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.

Unlike wealthier individuals, most Americans do not have dedicated estate planners or executors to take care of these issues. 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 essential importance to ensuring disputing parties walk away knowing they've received an honest deal.

Let Koss Real Property assist you in relocating to or from Outagamie County

Moving due to a job change can be a more than just an inconvenience. We know where you're coming from! We take great care in establishing an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide feedback on the positive attributes of their property, as well as information about any current sales or listings in their area that they want considered during our intensive process.

Don't sell out for too little or keep your home on the market too long.

A professional appraisal can help you make a more informed decision regarding your selling price, whether you choose to sell your home on your own or use the assistance of a real estate agent. Separate from a real estate agent, an appraiser has no vested interest in what amount the house sells for. Our fees are based on our efforts to perform the appraisal report and not a percentage of the sales price.

On a daily basis, we analyze the difference in value items like an additional bathroom or a kitchen remodel can make. And we're experts in knowing how long houses are on the market. So, seeking a professional appraisal is a reliable 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 for an extended amount of time.