Why get an appraisal from Sticks & Bricks Appraisal Services Ltd.?

To many, an appraisal just looks like a line item in the long list of items for a mortgage or refinance. While there are a growing number of automated home valuation processes that may seem more prudent than an appraisal, almost all lenders still need a local expert because the stakes are incredibly high. But is obtaining a mortgage the only reason to acquire an appraisal? Are there more times when the services of a licensed, independent real estate professional could be beneficial? You bet there are.


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Appeal your tax assessment in Cook County

It's likely you're paying too much in property taxes if you reside in an area where property values have depreciated. Ad Valorem taxes are based upon a previous assessment of your house, so if prices are less than what they used to be in your neighborhood, you can challenge your assessment and save money. An appraisal from Sticks & Bricks Appraisal Services Ltd. is your best evidence when building your case. We're equipped to assist you in appealing your tax assessment.

How can you do away with 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, nearly all lenders ask home buyers to take out an extra insurance policy. That policy is Private Mortgage Insurance, or PMI. Seeing that additional payment is usually folded into the monthly mortgage payment, it is often forgotten. PMI is unnecessary when the remainder of the loan - whether through market appreciation or principal pay down - falls below the 80% level, making this very unfavorable. In fact, the United States Congress implemented a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to eliminate the PMI payments when the loan-to-value ratio conditions have been met.

Sticks & Bricks Appraisal Services Ltd. will provide you with a statement regarding the value of your home, and the cost of the home valuation can often be regained in just a few months because you'll no longer be paying the PMI.

Settling a divorce with less stress with an appraisal from Sticks & Bricks Appraisal Services Ltd.

A divorce is often complicated by the challenging decision of who gets the home, and it can be a particularly heartbreaking event for both parties. Regardless of the situation, it's a good idea to order an appraisal from Sticks & Bricks Appraisal Services Ltd. so both parties are entirely aware of the true market value of their house.

If the parties wish to sell the home, they'll have a clearer picture 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 liquidation with Sticks & Bricks Appraisal Services Ltd.Settling an estate

Losing a loved one is a hard time in life, and settling an estate from a death, or probate, often requires an appraisal to establish Market Value for the residential property involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, guaranteeing the fullest degree of discretion.

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

Sticks & Bricks Appraisal Services Ltd. can assist you in relocating to or from Cook County

We are familiar with the stress involved with an employee relocation. That's why we take great care in establishing a convenient appointment time for the appraisal inspection. During our intensive process, we suggest relocating employees to provide input on the positive features of their property, as well as information about any current sales or listings in their neighborhood that they want considered.

Selling your home quickly at the right price

A professional appraisal can help you make a better educated decision regarding your asking price, whether you choose to sell your home on your own or use the assistance of a real estate agent. Unlike a real estate agent, an appraiser has no vested interest in what price the house sells for. Our fees aren't related to the sales price, but rather they depend on our efforts to finish the appraisal.

On a daily basis, we analyze the difference in value things like an additional bathroom or a kitchen remodel can make. And we're experts in knowing how long houses stay on the market. So, seeking a professional appraisal is a trusted 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 an unnecessarily long time.