Why you should get an appraisal

Every year, thousands of people in West Virginia buy, sell or refinance their home. Most of these transactions include a simple line item for an appraisal. Even though there are a budding number of automated home valuation systems that might appear more economical than an appraisal, nearly all lenders still call for a local expert because the stakes are incredibly high. But is getting a mortgage the only basis for getting an appraisal? Are there also cases when the services of a licensed, independent real estate professional might be beneficial? You bet.


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Let Carney Appraisals help you challenge your tax assessment in Greenbrier County

If you live in an area where the value of property has declined, it's possible you're paying too much in property taxes. When building your case, an appraisal from Carney Appraisals is your best evidence. At Carney Appraisals,we can assist you in disputing your tax assessment.

Let Carney Appraisals help you lower your mortgage payment

Private Mortgage Insurance, or PMI, is a supplemental insurance policy that most lenders ask homeowners to purchase when the amount being loaned to the home buyer is more than 80% of the actual value of the real estate. Most often, this additional payment is lumped into the monthly mortgage payment and is promptly forgotten. This is bad because PMI isn't necessary when the remainder of the loan - whether through market appreciation or principal pay down - goes below the 80% level. In fact, the United States Congress invoked a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to eliminate the PMI payments when the loan-to-value ratio conditions have been met.

Carney Appraisals will provide you with a statement regarding the value of your home, and the cost of the home valuation can often be offset in just a few months because you'll no longer be paying the PMI.

Settling a divorce with less stress with an appraisal from Carney Appraisals

A divorce is often complicated by the strenuous decision of who gets the house, and it can be an especially heartbreaking event for both parties. Regardless of the situation, it's prudent to order an appraisal from Carney Appraisals so both parties are completely aware of the true market value of their house.

If the parties want to sell the home, they'll have a a good idea 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

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

Unlike wealthier individuals, most Americans don't have dedicated estate planners or executors to take care of these issues. And since a home or other property often makes up an unequal share of the total estate value, knowing the precise value of the real estate at hand is of essential importance to ensuring disputing parties walk away knowing they've received an honest deal.

Carney Appraisals can help you with relocating to or from Greenbrier County

Employee relocation is a more than just an inconvenience. We know where you're coming from. We take great care in organizing an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide feedback on the positive attributes of their property, as well as information about any new 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 Carney Appraisals

A professional appraisal can help you make a more informed decision when determining your asking price, whether you want to sell your home on your own or use the assistance of a real estate agent. An appraiser has no vested interest in what price the house sells for, which is different than the interest of real estate agents. The price we charge isn't related to the sales price, but rather they are based on our efforts to finish the appraisal.

On a daily basis, we determine the difference in value items like an extra bathroom or a kitchen remodel can make. Seeking 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 an unnecessarily long time - because we're experts in knowing how long homes are one the market.