Ordering an appraisal from Ingram Appraisals

Thousands of people in Oklahoma purchase, sell or refinance their home each month. Many of these transactions involve a simple line item for an appraisal. Almost all lenders still want a local expert because the stakes are very high, even though there are a growing number of automated home valuation processes that might appear more prudent than an appraisal. You might assume that getting a mortgage is the only reason you should get an appraisal, but there are additional situations when the services of a certified, independent real estate professional might be beneficial.


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Let Ingram Appraisals help you appeal your tax assessment in South Central Oklahoma

It's likely you're paying too much in property taxes if you live in an area where property values have declined. Property taxes are determined by a previous assessment of your real estate, so if values 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 Ingram Appraisals is your best evidence. At Ingram Appraisals, we're qualified to assist you in disputing your tax assessment.

Let Ingram Appraisals help you lower your mortgage payment

When the amount being loaned to the homebuyer is more than 80% of the actual value of the real estate, many lenders ask homeowners to buy an supplemental insurance plan. That policy is Private Mortgage Insurance, or PMI. Most often, this added payment is bundled into the monthly mortgage payment and is quickly forgotten. This is unfortunate because PMI becomes unnecessary when the remainder of the loan - whether through market appreciation or principal pay down - dips below the 80% level. In fact, the United States Congress invoked a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to eliminate the PMI installments when the loan-to-value ratio conditions have been met.

Ingram Appraisals can produce a statement regarding the value of your home, and the expense of the home valuation can usually be offset in a short amount of time because you'll no longer be paying the PMI.

An appraisal from Ingram Appraisals will help you settle a divorce with less stress

A divorce is often complicated by the troublesome decision of who gets the property, and it can be a particularly heartbreaking occurrence for both parties. Regardless of the circumstances, it's prudent to order an appraisal from Ingram Appraisals so both parties are entirely aware of the true market value of their home.

If the parties need 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 evaluation.

Trustworthy 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 Market Value for the real estate involved. We ensure the maximum degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).

Most Americans don't have dedicated estate planners or executors to handle these affairs, unlike wealthier individuals. And seeing that a home or other property often makes up an unequal share of the total estate value, understanding the precise value of the real estate at hand is of vital importance to ensuring disputing parties walk away knowing they've gotten a fair deal.

Let Ingram Appraisals help you with relocating to or from Hughes County

Moving due to a job change is a more than just an inconvenience. We know where you're coming from. That's why we take great care in setting up a convenient appointment time for the appraisal inspection. During our thorough process, we encourage employees that are moving to provide remarks on the positive aspects of their property, along with information about any recent sales or listings in their neighborhood that they want considered.

Selling your home quickly at the right price with an appraisal from Ingram Appraisals

Whether you want to sell your home on your own or with the help of a real estate agent, a professional appraisal can help you make a more informed decision regarding your selling price. With much different interests than a real estate agent, an appraiser has no vested interest in what price the house sells for. Our fees are calculated on our efforts to complete the appraisal report and and aren't related to the sales price.

On a daily basis, we examine the difference in value items like an extra bathroom or a kitchen remodel can make. And we're experts in knowing how long houses stay on the market. So, obtaining 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 for an extended amount of time.