Why order an appraisal from Toni Chiban Appraisal Services?

To a lot of people, an appraisal is simply a line item on the break-sheet for a mortgage or refinance. And even though there are an increasing number of automated home valuation methods that might seem more economical than an appraisal, practically all lenders still call for a local expert because the stakes are incredibly high. You might think that securing a mortgage is the only basis for getting an appraisal, but there are other times when the services of a certified, independent real estate professional might be helpful.


	If you're planning on any transaction where the value of your home is a factor, contact Toni Chiban Appraisal Services. Just click here.

Challenge your tax assessment in Onslow County

If you reside in an area where the value of property has declined, it's possible you're paying too much in property taxes. An appraisal from Toni Chiban Appraisal Services is your best evidence when building your case. We're qualified to assist you in appealing your tax assessment.

Let Toni Chiban Appraisal Services assist you in lowering your mortgage payment

When the amount being loaned to the home owner is more than 80% of the actual value of the home, many lenders ask home owners to take out an additional insurance plan. That policy is Private Mortgage Insurance, or PMI. Since the added payment is usually folded into the monthly mortgage payment, it is often forgotten. This is unfortunate because PMI is unnecessary when the remaining balance of the loan - whether through market appreciation or principal pay down - falls below the 80% mark. In fact, the United States Congress implemented a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to dismiss the PMI installments when the loan-to-value ratio conditions have been met.

Toni Chiban Appraisal Services will provide you with a statement regarding the value of your home, and the price you paid for the home valuation can generally be recovered in a short amount of time because you'll no longer be paying the PMI.

An appraisal from Toni Chiban Appraisal Services will help you settle a divorce with less stress

A divorce can be a very daunting event for both parties, and it is often even more complicated by the strenuous decision of who maintains the property. It's a good idea to get an appraisal from Toni Chiban Appraisal Services so both parties are entirely aware of the true market value of their property, regardless of the circumstances.

If the parties wish 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 gotten a fair evaluation.

Fair and accurate estate liquidation with Toni Chiban Appraisal ServicesSettling an estate

Losing 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 utmost degree of discretion.

Most Americans do not have dedicated estate planners or executors to take care of these matters, unlike wealthier individuals. A home or other property often makes up a disproportionate share of the total estate value, so understanding the true value of the real estate at hand is of vital importance to ensuring disputing parties walk away knowing they've gotten a fair deal.

Toni Chiban Appraisal Services can assist you in relocating to or from Onslow County

Employee relocation is a stressful event. We know where you're coming from! We take great care in organizing a convenient appointment time for the appraisal inspection. During our thorough process, we suggest relocating employees to provide feedback on the positive attributes of their property, along with information about any current sales or listings in their neighborhood that they want considered.

Don't sell out short or keep your home on the market too long.

Whether 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. Separate from a real estate agent, an appraiser has no vested interest in what amount the house sells for. Our fees depend on our efforts to perform the appraisal report and and aren't related to the sales price.

We examine the difference in value items like an additional bathroom or a kitchen remodel can make on a daily basis. Obtaining a professional appraisal is a reliable 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 an unnecessarily long time - because we're experts in knowing how long properties stay on the market.