Reasons someone would call Julie Cramsey

To many, an appraisal is simply a line item in the long list of items for a mortgage or refinance. The majority of lenders still call for a local expert because the stakes are so high, even though there are a developing number of automated home valuation processes that might seem cheaper than an appraisal. But is obtaining a mortgage the only reason to acquire an appraisal? Are there other times when the services of a certified, independent real estate professional might come in handy? You bet.


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Let Julie Cramsey help you challenge your tax assessment in Lewis County

It's likely you're paying too much in property taxes if you reside in an area where property values have declined. Ad Valorem taxes are determined by a previous assessment of your real estate, so if values have declined in your neighborhood, you can appeal your assessment and save money. When building your case, an appraisal from Julie Cramsey is your best evidence. We're capable of assisting you in challenging your tax assessment.

PMI removal will lower your mortgage payment

Private Mortgage Insurance, or PMI, is an extra insurance policy that almost all lenders ask homebuyers to purchase when the amount being loaned to the homeowner is more than 80% of the actual value of the real estate. Oftentimes, this extra payment is folded into the monthly mortgage payment and is promptly forgotten. PMI is unnecessary 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 remove the PMI payments on most mortgages when the balance is paid down to 78% of the original value.

Julie Cramsey will provide you with a statement regarding the value of your home, and the price you paid for the home valuation can usually be recovered in a short amount of time because you'll no longer be paying the PMI.

Settling a divorce with less stress

A divorce is a very traumatic experience for the parties involved, and it is often even more complicated by the challenging decision of who gets the property. It's a good idea to order an appraisal from Julie Cramsey so both parties are fully aware of the true market value of their house, regardless of the situation.

The parties will have a better idea of what price to set, if they wish 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 difficult 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 maximum degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).

Unlike wealthier individuals, most Americans don't have dedicated estate planners or executors to take care of these issues. And since a home or other property often makes up an unequal share of the total estate value, knowing the certain value of the real estate at hand is of essential importance to ensuring disputing parties leave knowing they've received an honest deal.

Relocating to or from Lewis County?

Moving due to a job change can be a stressful event, and we understand. That's why we take great care in establishing a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide remarks on the positive features of their property, as well as information regarding any recent sales or listings in their neighborhood that they want considered during our thorough process.

Let Julie Cramsey help you sell your home quickly at the right price

Whether you want to sell your home on your own or use the assistance of a real estate agent, a professional appraisal will help you make a more informed decision regarding your asking 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 report, but rather they are calculated on our efforts to complete the appraisal.

On a daily basis, we determine the difference in value items like an extra bathroom or a kitchen remodel can make. Getting a professional appraisal is a reliable way to decide 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 stay on the market.