Why would you need an appraisal from Hise Appraisal Service?

To a lot of people, an appraisal is simply one more thing in the long list of items for a mortgage or refinance. The majority of lenders still call in a local expert because the stakes are very high, even though there are a budding number of automated home valuation methods that might appear more practical than an appraisal. You might assume that obtaining a mortgage is the only reason to acquire an appraisal, but there are additional instances when the services of a certified, independent real estate professional might be helpful.


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Appeal your tax assessment in Multnomah County

If you live in an area where the value of property has declined, it's possible you're paying too much in property taxes. When building your case, an appraisal from Hise Appraisal Service is your best evidence. At Hise Appraisal Service, we're qualified to assist you in appealing your tax assessment.

Getting rid of your PMI will lower your mortgage payment

When the amount being loaned to the home buyer is more than 80% of the actual value of the property, most lenders ask homeowners to purchase an added insurance policy. That policy is Private Mortgage Insurance, or PMI. Since the added payment is usually folded into the monthly mortgage payment, it is often forgotten. This is unfavorable because PMI isn't necessary when the leftover balance of the loan - whether through market appreciation or principal pay down - falls below the 80% level. In fact, the Homeowners Protection Act (HPA) of 1998 was passed by the United States Congress requiring lenders to eliminate the PMI installments when the balance is paid down to 78% of the original value.

Hise Appraisal Service will provide you with a statement regarding the value of your home, and the price you paid for the appraisal can usually be offset 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 burdensome decision of who gets the house, and it can be a particularly heartbreaking occurrence for both parties. Regardless of the situation, it's wise to order an appraisal from Hise Appraisal Service so both parties are entirely aware of the true market value of their home.

If the parties want to sell the home, they'll have a a good idea of what price to set. And if a "buyout" is the chosen option, both parties will feel like they've gotten a fair evaluation.

Accurate and fair estate liquidation

The loss of a loved one is a painful time in life, and settling an estate from a death, or probate, often entails an appraisal to establish Market Value for the real estate involved. We guarantee the fullest 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 handle these issues. And seeing that a home or other property often makes up a disproportionate share of the total estate value, understanding the precise value of the real estate at hand is of essential importance to ensuring disputing parties walk away knowing they've gotten a fair deal.

Relocating to or from Multnomah County

We know the headaches associated with an employee relocation. We take great care in establishing an accommodating appointment time for the appraisal inspection. During our detailed process, we encourage relocating employees to provide input on the positive attributes of their property, as well as information about any new sales or listings in their area that they want considered.

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

Whether you want to sell your home on your own or use the assistance of a real estate agent, a professional appraisal can help you make a better educated decision regarding your selling price. An appraiser has no vested interest in what amount the house sells for, unlike real estate agents. 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 determine the difference in value items like an extra bathroom or a kitchen remodel can make. And we're experts in knowing how long homes are on the market. So, obtaining a professional appraisal is a trusted 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.