Let Kent & Associates Appraisal attend to your appraisal needs

Year after year, thousands of people in Washington purchase, sell or refinance their home. Most of these transactions contain a simple line item for an appraisal. And while there are an increasing number of automated home valuation methods that might seem less expensive than an appraisal, the majority of lenders still call for a local expert because the stakes are very high. Is securing a mortgage the only reason to acquire an appraisal? Are there other situations when the services of a certified, independent real estate professional might be helpful? Of course.

Let Kent & Associates Appraisal help you lower your mortgage payment

Dispute your tax assessment

It's probable you're paying too much in property taxes if you reside in an area where property values have declined. Property taxes are based upon a previous assessment of your real estate, so if prices are less than what they used to be in your area, you can challenge your assessment and save money. When building your case, an appraisal from us is your best evidence. At Kent & Associates Appraisal, we're qualified to assist you in disputing your tax assessment.

Getting rid of your PMI for mortgage payments

Private Mortgage Insurance, or PMI, is an added insurance plan that almost all lenders ask homebuyers to purchase when the amount being loaned to the home buyer is more than 80% of the actual value of the property. Oftentimes, this additional payment is bundled 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 - goes below the 80% mark. In fact, the Homeowners Protection Act (HPA) of 1998 was invoked by the United States Congress requiring lenders to do away with the PMI installments when the loan-to-value ratio conditions have been met.

Kent & Associates Appraisal can provide you with a statement regarding the value of your home, and the price you paid for the home valuation can generally be recovered in just a few months because you'll no longer be paying the PMI.

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Divorce settlement with fewer hang-ups

A divorce is a very traumatic event for the parties involved, and it is often more complicated by the strenuous decision of who maintains the home. Regardless of the circumstances, it's a good idea to get an appraisal from Kent & Associates Appraisal so both parties are fully aware of the true market value of their house.

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

Determine a fair and accurate valuation for estate liquidation

Losing a loved one is a painful time in life, and settling an estate from a death, or probate, often entails 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 maximum degree of discretion.

Unlike many wealthy individuals, most Americans do not have dedicated estate planners or executors to take care of these affairs. A home or other property often makes up a disproportionate share of the total estate value, so understanding the true value of the real estate at hand is of vital importance to ensuring disputing parties leave knowing they've received an honest deal.

Move to or from Snohomish County for work

Employee relocation can be a stressful event, and we understand. That's why we take great care in setting up an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide feedback on the positive characteristics of their property, along with information regarding any recent sales or listings in their area that they want considered during our detailed inspection.

Sell your home promptly — at the right price

A professional appraisal can help you make a more informed decision regarding your selling price, whether you decide to sell your home on your own or use the assistance of a real estate agent. An appraiser has no vested interest in what price the house sells for, apart from real estate agents. Our fees depend on our efforts to finish the appraisal report and not a percentage of the sales price.

On a daily basis, we determine the difference in value things 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 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 houses stay on the market.

Let Kent & Associates Appraisal assist you in selling your home quickly at the right price