J. Kelly Goddard, Jr. in Ogden do appraisals for diverse reasons

Year after year, thousands of people in Utah buy, sell or refinance their home. Many of these transactions include a simple line item for an appraisal. And even though there are a budding number of automated home valuation methods that may appear more cost-effective than an appraisal, the majority of lenders still want a local expert because the stakes are incredibly high. But is securing a mortgage the only basis for getting an appraisal? Are there also times when the services of a licensed, independent real estate professional could be beneficial? Absolutely.


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Let J. Kelly Goddard, Jr. help you dispute your tax assessment in Weber 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. When building your case, an appraisal from J. Kelly Goddard, Jr. is your best evidence. At J. Kelly Goddard, Jr.,we can assist you in disputing your tax assessment.

PMI removal to lower your mortgage payment

Private Mortgage Insurance, or PMI, is an added insurance plan that many lenders ask home buyers to purchase when the amount being loaned to the home buyer is more than 80% of the actual value of the real estate. Since the added payment is usually folded into the monthly mortgage payment, it is often forgotten. PMI is no longer required when the remainder of the loan - whether through market appreciation or principal pay down - dips below the 80% mark, making this very unfortunate. In fact, the United States Congress invoked a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to do away with the PMI installments when the loan-to-value ratio conditions have been met.

If you'd like to eliminate PMI, J. Kelly Goddard, Jr. will produce a statement regarding the value of your home. The price you paid for 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 an especially traumatic experience for the parties involved, and it is often further complicated by the troublesome decision of who maintains the house. It's a good idea to get an appraisal from J. Kelly Goddard, Jr. so both parties are entirely aware of the true market value of their house, regardless of the circumstances.

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

Settling an estate with peace of mind

The death of a loved one is a hard time in life, and settling an estate from a death, or probate, often calls for an appraisal to establish Market Value for the real estate involved. We guarantee the highest 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 manage these affairs, unlike many wealthy individuals. A home or other property often makes up a disproportionate share of the total estate value, so knowing the true value of the real estate at hand is of essential importance to ensuring disputing parties walk away knowing they've gotten a fair deal.

Let J. Kelly Goddard, Jr. help you with relocating to or from Weber County

Moving due to a job change can be a more than just an inconvenience, and we understand. We take great care in setting up a convenient appointment time for the appraisal inspection. During our thorough process, we encourage relocating employees to provide feedback on the positive attributes of their property, along with information regarding 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 can help you make a better educated decision regarding your selling price, whether you choose to sell your home on your own or use the assistance of a real estate agent. 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 aren't a percentage of the sales price, but rather they are based on our efforts to complete the appraisal.

On a daily basis, we determine the difference in value things like an additional 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 houses stay on the market.