Let M&M Residential handle your Northwest appraisal services!

Thousands of people in Washington buy, sell or refinance their home each month. Many of these transactions involve a simple line item for an appraisal. Nearly all lenders still call in a local expert because the stakes are very high, even though there are a developing number of automated home valuation systems that might appear more economical than an appraisal. 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 licensed, independent real estate professional could be beneficial.


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Let M&M Residential help you dispute your tax assessment in Northwest Regions (RMLS, NWMLS, WVMLS)

It's likely you're paying too much in property taxes if you live in an area where property values have declined. Ad Valorem taxes are based upon a previous assessment of your house, so if values are less than what they used to be in your area, you can appeal your assessment and save money. An appraisal from M&M Residential is your best evidence when building your case. At M & M Residential, Inc.,we can assist you in challenging your tax assessment.

PMI removal to lower your mortgage payment

When the amount being loaned to the home buyer is more than 80% of the actual value of the real estate, most lenders ask buyers to buy an additional insurance plan. That policy is Private Mortgage Insurance, or PMI. This extra payment is often folded into the monthly mortgage payment and is promptly forgotten. This is damaging because PMI isn't required when the remaining balance of the loan - whether through market appreciation or principal pay down - decreases below the 80% level. In fact, the Homeowners Protection Act (HPA) of 1998 was implemented by the United States Congress requiring lenders to do away with the PMI payments on most mortgages when the balance is paid down to 78% of the original value.

M&M Residential will give you a statement regarding the value of your home, and the expense of the home valuation can often be regained in little time because you'll no longer be paying the PMI.

Divorce settlement with less stress

A divorce is often complicated by the difficult decision of who maintains the house, and it can be a particularly heartbreaking occurrence for both parties. So both parties are completely aware of the true market value of their house, it's a good idea to get an appraisal from M&M Residential regardless of the situation.

The parties will have a clearer picture of what price to set, if they want 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 with M&M Residential settling an estate

Losing a loved one is a painful 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 ensure 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 many wealthy 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 a disproportionate share of the total estate value, so understanding the true value of the real estate at hand is of essential importance to ensuring disputing parties leave knowing they've gotten an honest deal.

M&M Residential can assist you in relocating to or from Northwest Regions

Employee relocation can be a more than just an inconvenience, and we understand. That being said, we take great care in organizing an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide remarks on the positive attributes of their property, as well as information about any recent sales or listings in their area that they want considered during our intensive process.

Sell your home quickly at the right price

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 more informed decision when determining your selling price. An appraiser has no vested interest in what price the house sells for, which is different than the interest of real estate agents. Our fees depend on our efforts to finish the appraisal report and not a percentage of the sales price.

On a daily basis, we analyze the difference in value items like an additional bathroom or a kitchen remodel can make. Obtaining a professional appraisal is a trusted way to decide what improvements will add value and what a suitable 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.