Ordering an appraisal from Cowan Appraisal and Inspection

To a lot of people, an appraisal just looks like a line item on the break-sheet for a home purchase or refinance. Almost all lenders still call for a local expert because the stakes are very high, even though there are a budding number of automated home valuation methods that may seem more cost-effective than an appraisal. But is securing a mortgage the only reason you should get an appraisal? Are there other times when the services of a certified, independent real estate professional might be helpful? Of course there are.


	For real estate appraisals in Stillwater and Payne County, it's easiest when your order online from Cowan Appraisal and Inspection, just click here.

Let Cowan Appraisal and Inspection help you challenge your tax assessment in Payne County

If you live in an area where the value of property has depreciated, it's possible you're paying too much in property taxes. An appraisal from Cowan Appraisal and Inspection is your best evidence when building your case. At Cowan Appraisal and Inspection, we're equipped to assist you in disputing your tax assessment.

Let Cowan Appraisal and Inspection help you do away with PMI to lower your mortgage payment

Private Mortgage Insurance, or PMI, is a supplemental insurance plan that most lenders ask home buyers to purchase when the amount being loaned to the buyer is more than 80% of the actual value of the property. Seeing that additional payment is usually bundled into the monthly mortgage payment, it is often forgotten. This is unfavorable because PMI isn't necessary when the leftover balance of the loan - whether through market appreciation or principal pay down - decreases below the 80% mark. In fact, the United States Congress implemented a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to remove the PMI payments when the loan-to-value ratio conditions have been met.

Cowan Appraisal and Inspection will provide you with a statement regarding the value of your home, and the cost of the home valuation can often be offset in little time because you'll no longer be paying the PMI.

An appraisal from Cowan Appraisal and Inspection will help you settle a divorce with less stress

A divorce is often complicated by the challenging decision of who gets the house, and it can be a very heartbreaking ordeal for both parties. Regardless of the circumstances, it's prudent to get an appraisal from Cowan Appraisal and Inspection so both parties are entirely aware of the true market value of their property.

The parties will have a clearer picture 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 gotten a fair assessment.

Fair and accurate estate liquidation

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 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).

Most Americans don't have dedicated estate planners or executors to take care of these affairs, unlike wealthy individuals. And seeing that a home or other property often makes up an uneven share of the total estate value, understanding the certain value of the real estate at hand is of essential importance to ensuring disputing parties leave knowing they've received a fair deal.

Cowan Appraisal and Inspection can assist you in relocating to or from Payne County

Employee relocation can be a more than just an inconvenience, and we understand. That's why we take great care in establishing an accommodating appointment time for the appraisal inspection. During our detailed process, we suggest employees that are moving to provide input on the positive features of their property, as well as information about any current sales or listings in their neighborhood that they want considered.

Don't sell out for too little or let your home stay on the market too long.

A professional appraisal will help you make a more informed decision when determining your asking price, whether you choose to sell your home on your own or use the assistance of a real estate agent. With much different interests than a real estate agent, an appraiser has no vested interest in what price the house sells for. Our fees are derived from our efforts to finish the appraisal report and and aren't related to the sales price.

On a daily basis, we examine the difference in value things like an additional bathroom or a kitchen remodel can make. 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 houses stay on the market.