Reasons to get an appraisal

Each year, thousands of people in Missouri purchase, sell or refinance their home. A lot of these transactions have a simple line item for an appraisal. And while there are a developing number of automated home valuation processes that may appear more cost-effective than an appraisal, most lenders still call for a local expert because the stakes are incredibly high. You might believe that obtaining a mortgage is the only basis for getting an appraisal, but there are additional times when the services of a licensed, independent real estate professional could be beneficial.


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Appeal your tax assessment in Greene County

It's possible you're paying too much in property taxes if you reside in an area where property values have depreciated. Ad Valorem taxes are based upon a past assessment of your real estate, so if values have gone down in your area, you can challenge your assessment and save money. When building your case, an appraisal from Monsanto & Associates LLC is your best evidence. At Monsanto & Associates LLC, we're qualified to assist you in appealing your tax assessment.

Let Monsanto & Associates LLC help you get rid of PMI to lower your mortgage payment

When the amount being loaned to the homeowner is more than 80% of the actual value of the home, nearly all lenders ask home buyers to take out an added insurance plan. That policy is Private Mortgage Insurance, or PMI. Very often, this extra payment is lumped into the monthly mortgage payment and is soon forgotten. This is damaging because PMI isn't necessary when the remaining balance of the loan - whether through market appreciation or principal pay down - falls below the 80% mark. In fact, the Homeowners Protection Act (HPA) of 1998 was implemented by the United States Congress that requires lenders to dismiss the PMI installments when the balance is paid down to 78% of the original value.

If you'd like to eliminate PMI, Monsanto & Associates LLC can produce a statement regarding the value of your home. The expense of the appraisal can generally be offset in a short amount of time because you'll no longer be paying the PMI.

Settling a divorce with less stress with an appraisal from Monsanto & Associates LLC

A divorce is an especially heartbreaking event for the parties involved, and it is often further complicated by the burdensome decision of who gets the home. So both parties are fully aware of the true market value of their home, it's a good idea to order an appraisal from Monsanto & Associates LLC, regardless of the situation.

If the parties need to sell the home, they'll have a a good idea of what price to set. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've received a fair assessment.

Settling an estate with peace of mind

The death of a loved one is a difficult time in life, and settling an estate from a death, or probate, often calls for an appraisal to establish Market Value for the residential property involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, ensuring the highest degree of discretion.

Unlike wealthier individuals, most Americans do not have dedicated estate planners or executors to take care of these matters. And since a home or other property often makes up an uneven share of the total estate value, 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.

Monsanto & Associates LLC can help you with relocating to or from Greene County

We are familiar with the headaches involved with an employee relocation. That's why we take great care in organizing an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide remarks on the positive aspects of their property, as well as information regarding any new sales or listings in their neighborhood that they want considered during our intensive process.

Let Monsanto & Associates LLC assist you in selling your home quickly at the right price

A professional appraisal will help you make a more informed decision when determining your asking price, whether you decide to sell your home on your own or use the assistance of a real estate agent. An appraiser has no vested interest in what amount the house sells for, unlike real estate agents. Our fees aren't contingent upon the value we report, but rather they are calculated on our efforts to finish the appraisal.

On a daily basis, we examine the difference in value things like an extra bathroom or a kitchen remodel can make. Getting a professional appraisal is a reliable 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 - because we're experts in knowing how long homes stay on the market.