6 Reasons to choose an appraisal from Cooper AssociatesTo a lot of us, an appraisal is simply a line item in the long list of items for a mortgage or refinance. Most lenders still call for a local expert because the stakes are so high, even though there are an increasing number of automated home valuation systems that may appear to be more prudent than an appraisal. You might think that obtaining 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 come in handy. 
Contest your tax assessment in Pearl River CountyIf you live in an area where the property value has declined, it's possible you're paying too much in property taxes. An appraisal from Cooper Associates is your best evidence when building your case. We can assist you in disputing your tax assessment. PMI removal to reduce your mortgage paymentWhen the amount being loaned to the home owneris more than 80% of the actual value of the home, many lenders ask home owners to purchase this supplemental insurance policy. That policy is Private Mortgage Insurance, or PMI. Oftentimes, this added payment is bundled into the monthly mortgage payment and is soon forgotten. PMI becomes unnecessary when the remaining balance of the loan - whether through market appreciation or principal pay down - decreases below the 80% level, making this very unfavorable. In fact, the United States Congress implemented a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to remove the PMI installments when the loan-to-value ratio conditions have been met. If you'd like to eliminate PMI, Cooper Associates will produce a statement regarding the value of your home. The price you paid for the appraisal can often be offset in little time because you'll no longer be paying the PMI. Order your appraisal from Cooper Associates today Order todaySettle a divorce with less stressA divorce can be a very horrible experience for both parties, and it is often further complicated by the burdensome decision of who maintains the home. It's a good idea to get an appraisal from Cooper Associates so both parties are entirely aware of the true market value of their house, regardless of the situation. The parties will have a a good idea of what price to set, if they need to sell the home. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've received a fair evaluation. Ascertain an accurate and fair valuation for estate liquidationThe death of 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, ensuring the highest degree of discretion. Unlike wealthy individuals, most Americans do not have dedicated estate planners or executors to handle these issues. And since a home or other property often makes up a disproportionate share of the total estate value, knowing the true worth of the real estate at hand is of vital importance to ensuring disputing parties leave knowing they've received an honest deal. Relocate to or from Pearl River County through an employee relocation programEmployee relocation is a stressful event, and we understand. We take great care in establishing an accommodating appointment time for the appraisal inspection. During our intensive inspection, we encourage relocating employees to provide feedback on the positive aspects of their property, as well as information about any recent sales or listings in their neighborhood that they want considered. Close on your home quickly — at the right priceWhether you choose 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 selling price. Apart from a real estate agent, an appraiser has no vested interest in what amount the house sells for. Our fees aren't a percentage of the sales price, but rather they are calculated on our efforts to complete the appraisal report. 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 homesare on the market. So, obtaining a professional appraisal is a trusted 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. 
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