Reasons someone would call Provident Appraisal & Consulting Co.

Every year, thousands of people in Utah buy, sell or refinance their home. Many of these transactions contain a simple line item for an appraisal. Practically all lenders still need a local expert because the stakes are very high, even though there are a developing number of automated home valuation methods that may appear to be more prudent than an appraisal. But is obtaining a mortgage the only reason to acquire an appraisal? Are there additional cases when the services of a licensed, independent real estate professional might come in handy? Absolutely.


	Contact Provident Appraisal & Consulting Co. if you're planning on any transaction where the price of your house is a factor. Just click here

Let Provident Appraisal & Consulting Co. help you appeal your tax assessment in Davis County

It's probable 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 past assessment of your real estate, so if values are less than what they used to be in your area, you can appeal your assessment and save money. An appraisal from Provident Appraisal & Consulting Co. is your best evidence when building your case. We're equipped to assist you in appealing your tax assessment.

Provident Appraisal & Consulting Co. can help you eliminate PMI to 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 buyers to buy an supplemental insurance policy. That policy is Private Mortgage Insurance, or PMI. This extra payment is often folded into the monthly mortgage payment and is promptly forgotten. This is unfavorable because PMI isn't necessary when the remaining balance of the loan - whether through market appreciation or principal pay down - decreases below the 80% level. In fact, the United States Congress invoked a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to dismiss the PMI installments when the loan-to-value ratio conditions have been met.

If you'd like to do away with PMI, Provident Appraisal & Consulting Co. can produce a statement regarding the value of your home. The price you paid for the home valuation can often be offset in little time because you'll no longer be paying the PMI.

Divorce settlement with less stress

A divorce is a very daunting event for the parties involved, and it is often even more complicated by the troublesome decision of who keeps the property. Regardless of the situation, it's a good idea to get an appraisal from Provident Appraisal & Consulting Co. so both parties are fully aware of the true market value of their home.

The parties will have a clearer picture of what price to set, if they wish to sell the home. And if a "buyout" is the chosen option, both parties will feel like they've received a fair assessment.

Accurate and fair estate liquidation with Provident Appraisal & Consulting Co.Settling an estate

The death of a loved one is a hard 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, ensuring the highest degree of discretion.

Most Americans do not have dedicated estate planners or executors to handle these affairs, unlike wealthier individuals. A home or other property often makes up an unequal share of the total estate value, so knowing the true worth of the real estate at hand is of significant importance to ensuring disputing parties leave knowing they've gotten an honest deal.

Provident Appraisal & Consulting Co. can help you with relocating to or from Davis County

We understand the stress involved with an employee relocation. That being said, we take great care in organizing an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide remarks on the positive characteristics of their property, along with information regarding any recent sales or listings in their neighborhood that they want considered during our thorough process.

Selling your home quickly at the right price with an appraisal from Provident Appraisal & Consulting Co.

Whether you decide to sell your home on your own or use the assistance of a real estate agent, a professional appraisal will 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. The price we charge isn't related to the sales price, but rather they depend 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. And we're experts in knowing how long properties are on the market. So, obtaining 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 for an extended amount of time.