Let KEY INSIGHT serve your appraisal needs

To many, an appraisal just looks like another fee on the break-sheet for a mortgage or refinance. While there are an increasing number of automated home valuation processes that might seem more economical than an appraisal, most lenders still call for a local expert because the stakes are incredibly high. You might assume that obtaining a mortgage is the only reason you should get an appraisal, but there are additional situations when the services of a certified, independent real estate professional could be helpful.

Let KEY INSIGHT assist you in lowering your mortgage payment

Dispute your tax assessment in Oneida County

It's probable you're paying too much in property taxes if you reside in an area where property values have depreciated. Property taxes are based upon a past assessment of your real estate, so if prices have declined in your neighborhood, you can appeal your assessment and save money. An appraisal from KEY INSIGHT is your best evidence when building your case. We're equipped to assist you in appealing your tax assessment.

Eliminating PMI for mortgage payments

When the amount being loaned to the homeowneris more than 80% of the actual value of the home, most lenders ask home owners to buy this extra insurance policy. That policy is Private Mortgage Insurance, or PMI. This added payment is often bundled into the monthly mortgage payment and is promptly forgotten. PMI isn't necessary when the remaining balance of the loan - whether through market appreciation or principal pay down - dips below the 80% level, making this very unfavorable. In fact, the Homeowners Protection Act (HPA) of 1998 was implemented by the United States Congress that requires lenders to dismiss the PMI payments when the loan-to-value ratio conditions have been met.

KEY INSIGHT will produce a statement regarding the value of your home, and the expense of the appraisal can often be offset in just a few months because you'll no longer be paying the PMI.

Get your appraisal from KEY INSIGHT

Order today

Settle a divorce with fewer hang-ups

A divorce is a very traumatic experience for the parties involved, and it is often further complicated by the troublesome decision of who maintains the property. It's a good idea to get an appraisal from KEY INSIGHT so both parties are entirely aware of the true market value of their home, regardless of the situation.

If the parties wish to sell the home, they'll have a better idea of what price to set. And if a "buyout" is the chosen option, both parties will feel like they've gotten a fair evaluation.

Accurate and fair 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 Fair Market Value for the real estate involved. We ensure the utmost degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).

Unlike wealthy individuals, most Americans do not have dedicated estate planners or executors to manage these affairs. 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 vital importance to ensuring disputing parties walk away knowing they've gotten a fair deal.

Move to or from Oneida County for work

We know the stress involved with an employee relocation. That being said, we take great care in establishing a convenient appointment time for the appraisal inspection. During our thorough inspection, we recommend relocating employees to provide feedback on the positive features of their property, as well as information about any current sales or listings in their neighborhood that they want considered.

Close on your home promptly — at an accurate price

Whether you decide to sell your home on your own or with the help of a real estate agent, a professional appraisal can help you make a better educated decision when determining your selling price. An appraiser has no vested interest in what price the house sells for, unlike real estate agents. Our fees aren't related to the sales price, but rather they rest on our efforts to complete the appraisal report.

On a daily basis, we determine the difference in value items like an additional 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 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.

Let KEY INSIGHT help you sell your home quickly at the right price