There are lots of reasons the public calls on 1

To a lot of people, an appraisal is simply another cost on the settlement sheet for a mortgage or refinance. While there are an increasing number of automated home valuation processes that may appear more practical than an appraisal, nearly all lenders still need a local expert because the stakes are incredibly high. You might assume that getting a mortgage is the only reason you should get an appraisal, but there are more situations when the services of a certified, independent real estate professional might be beneficial.


	For real estate appraisals in Lihue and Kauai County, it's easiest when your order online from 1 , just click here.

Dispute your tax assessment in Kauai County

It's likely you're paying too much in property taxes if you reside in an area where property values have declined. Ad Valorem taxes are based upon a past assessment of your real estate, so if prices are less than what they used to be in your neighborhood, you can appeal your assessment and save money. When building your case, an appraisal from 1 is your best evidence. At 1 ,we can assist you in challenging your tax assessment.

Removing PMI will lower your mortgage payment

When the amount being loaned to the home owner is more than 80% of the actual value of the property, most lenders ask homebuyers to take out an extra insurance plan. That policy is Private Mortgage Insurance, or PMI. Most often, this extra payment is bundled into the monthly mortgage payment and is quickly forgotten. This is damaging because PMI is unnecessary when the remainder of the loan - whether through market appreciation or principal pay down - decreases below the 80% level. In fact, the United States Congress passed a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to do away with the PMI installments when the loan-to-value ratio conditions have been met.

1 will produce a statement regarding the value of your home, and the price you paid for the home valuation can often be regained in little time because you'll no longer be paying the PMI.

Settling a divorce with less stress with an appraisal from 1

A divorce can be a particularly traumatic experience for both parties, and it is often further complicated by the strenuous decision of who maintains the house. So both parties are fully aware of the true market value of their home, it's a good idea to get an appraisal from 1 , regardless of the circumstances.

The parties will have a clearer picture 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 assessment.

Settling an estate with peace of mind

The death of a loved one is a painful time in life, and settling an estate from a death, or probate, often calls for an appraisal to establish Fair Market Value for the residential property involved. We guarantee the utmost degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).

Unlike many wealthy individuals, most Americans don't have dedicated estate planners or executors to manage these affairs. And since a home or other property often makes up a disproportionate share of the total estate value, understanding the true value of the real estate at hand is of significant importance to ensuring disputing parties walk away knowing they've received an honest deal.

Let 1 assist you in relocating to or from Kauai County

We understand the stress involved with an employee relocation. That being said, 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, as well as information regarding any recent sales or listings in their area that they want considered during our intensive process.

Sell your home quickly at the right price with an appraisal from 1

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 when determining your selling price. Unlike 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 report, but rather they are based on our efforts to finish the appraisal.

We examine the difference in value items like an extra bathroom or a kitchen remodel can make on a daily basis. Seeking a professional appraisal is a reliable way to determine what improvements will add value and what a suitable 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.