Why obtain an appraisal from Chris Lang Appraisals, Inc.?

Thousands of people in Virginia purchase, sell or refinance their home each month. Most of these transactions contain a simple line item for an appraisal. Almost all lenders still call in a local expert because the stakes are so high, even though there are a developing number of automated home valuation systems that may seem less expensive than an appraisal. But is obtaining a mortgage the only reason to get an appraisal? Are there more cases when the services of a licensed, independent real estate professional might be beneficial? Of course there are.


	For real estate appraisals in Cross Junction and Frederick County, it's easiest when your order online from Chris Lang Appraisals, Inc., just click here.

Appeal your tax assessment in Frederick County

If you live in an area where property values have declined, it's possible you're paying too much in property taxes. An appraisal from Chris Lang Appraisals, Inc. is your best evidence when building your case. At Chris Lang Appraisals, Inc.,we can assist you in appealing your tax assessment.

PMI removal will lower your mortgage payment

When the amount being loaned to the home owner is more than 80% of the actual value of the home, many lenders ask home buyers to take out an added insurance policy. That policy is Private Mortgage Insurance, or PMI. Seeing that extra payment is usually folded into the monthly mortgage payment, it is often forgotten. This is bad because PMI is unnecessary when the remaining balance of the loan - whether through market appreciation or principal pay down - goes below the 80% mark. In fact, the United States Congress invoked a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to dismiss the PMI payments when the loan-to-value ratio conditions have been met.

Chris Lang Appraisals, Inc. will provide you with a statement regarding the value of your home, and the price you paid for the appraisal can generally be recovered in little time because you'll no longer be paying the PMI.

Settling a divorce with less stress

A divorce can be a particularly daunting ordeal for both parties, and it is often further complicated by the challenging decision of who keeps the property. Regardless of the situation, it's prudent to get an appraisal from Chris Lang Appraisals, Inc. so both parties are fully aware of the true market value of their home.

The parties will have a better idea of what price to set, if they want 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

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

Unlike many wealthy individuals, most Americans do not have dedicated estate planners or executors to take care of these matters. And seeing that a home or other property often makes up an uneven share of the total estate value, knowing the true value of the real estate at hand is of essential importance to ensuring disputing parties walk away knowing they've gotten an honest deal.

Let Chris Lang Appraisals, Inc. help you with relocating to or from Frederick County

We know the stress associated with an employee relocation. That being said, we take great care in establishing a convenient appointment time for the appraisal inspection. During our detailed process, we encourage employees that are moving to provide input on the positive characteristics of their property, along with information regarding any current sales or listings in their neighborhood that they want considered.

Sell your home quickly at the right price with an appraisal from Chris Lang Appraisals, Inc.

Whether you decide 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 asking price. Separate from a real estate agent, an appraiser has no vested interest in what price the house sells for. Our fees aren't contingent upon the value we come up with, but rather they rest on our efforts to finish the appraisal.

We examine the difference in value things like an additional bathroom or a kitchen remodel can make on a daily basis. 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 - because we're experts in knowing how long properties stay on the market.