Reasons someone would use the services of Coyne Appraisal Group, LLC

To a lot of us, an appraisal is simply one more thing on the settlement sheet for a mortgage or refinance. The majority of lenders still want a local expert because the stakes are very high, even though there are an increasing number of automated home valuation methods that might seem cheaper than an appraisal. But is securing a mortgage the only reason you should get an appraisal? Are there also instances when the services of a licensed, independent real estate professional could be beneficial? Of course there are.

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Let Coyne Appraisal Group, LLC help you challenge your tax assessment

If you reside in an area where property values have declined, it's possible you're paying too much in property taxes. An appraisal from Coyne Appraisal Group, LLC is your best evidence when building your case. We're qualified to assist you in appealing your tax assessment.

Let Coyne Appraisal Group, LLC assist you in lowering your mortgage payment

Private Mortgage Insurance, or PMI, is a supplemental insurance plan that almost all lenders ask buyers to purchase when the amount being loaned to the homebuyer is more than 80% of the actual value of the property. Seeing that extra payment is usually lumped into the monthly mortgage payment, it is often forgotten. PMI isn't required when the remainder of the loan - whether through market appreciation or principal pay down - decreases below the 80% mark, making this very unfavorable. In fact, the Homeowners Protection Act (HPA) of 1998 was implemented by the United States Congress requiring lenders to dismiss the PMI installments when the balance is paid down to 78% of the original value.

If you'd like to do away with PMI, Coyne Appraisal Group, LLC will produce a statement regarding the value of your home. The cost of the appraisal can often be recovered in little time because you'll no longer be paying the PMI.

Divorce settlement with less stress

A divorce is a particularly traumatic experience for the parties involved, and it is often more complicated by the troublesome decision of who keeps the home. Regardless of the situation, it's prudent to get an appraisal from Coyne Appraisal Group, LLC so both parties are entirely aware of the true market value of their property.

The parties will have a a good idea of what price to set, if they wish 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 assessment.

Fair and accurate estate liquidation when settling an estate

The loss 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. We guarantee the maximum degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).

Unlike wealthier individuals, most Americans do not have dedicated estate planners or executors to take care of these matters. A home or other property often makes up an unequal share of the total estate value, so knowing the true value of the real estate at hand is of significant importance to ensuring disputing parties leave knowing they've received a fair deal.

Relocating to or from the St. Louis area?

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

Sell your home quickly at the right price with an appraisal from Coyne Appraisal Group, LLC

Whether you want to sell your home on your own or use the assistance of a real estate agent, a professional appraisal can help you make a more informed decision when determining your asking price. Separate from a real estate agent, an appraiser has no vested interest in what price the house sells for. Our fees are calculated on our efforts to complete the appraisal report and and aren't related to the sales price.

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 stay 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.