Let Steve Backer handle your appraisal needs--he has thousands of satisfied clients over the last thirty-nine years!

Many people in Montana buy, sell or refinance their home every month. Most of these transactions involve a simple line item for an appraisal. Almost all lenders still need a local expert because the stakes are so high. There's a trend towards using automated valuation systems (AVMs) that may be cheaper than an appraisal, but those don't really work here because Montana is a "non-disclosure" state, so prices paid for real estate are not disclosed in the public record like in most other states. Steve, as a member of the local multiple listing service, is able to verify those sales and provide the direct comparison needed to produce a credible appraisal. You might think that getting a mortgage is the only reason you should get an appraisal, but there are additional instances when the services of a licensed, independent real estate professional might come in handy.

If you're planning on any transaction where the value of your property is a factor, just contact Steve Backer. Just click here.

Challenge your tax assessment in Flathead 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. An appraisal from Steve Backer is your best evidence when building your case. At Steven W Backer, Appraiser/Consultant, we're equipped to assist you in challenging your tax assessment.

Eliminating PMI will lower your mortgage payment

When the amount being loaned to the home owner is more than 80% of the actual value of the home, almost all lenders ask homeowners to take out an additional insurance plan. That policy is Private Mortgage Insurance, or PMI. This added payment is often lumped into the monthly mortgage payment and is promptly forgotten. PMI isn't required when the remainder of the loan - whether through market appreciation or principal pay down - falls below the 80% level, making this very unfortunate. In fact, the Homeowners Protection Act (HPA) of 1998 was passed by the United States Congress requiring lenders to remove the PMI payments when the balance is paid down to 78% of the original value.

Steve Backer can give you a statement regarding the value of your home, and the cost of the home valuation can often be regained in a short amount of time because you'll no longer be paying the PMI.

An appraisal from Steven W Backer, Appraiser/Consultant, will help you settle a divorce with less stress

A divorce can be a particularly traumatic ordeal for both parties, and it is often more complicated by the strenuous decision of who gets the house. Regardless of the circumstances, it's a good idea to order an appraisal from Steven W Backer, Appraiser/Consultant, so both parties are fully aware of the true market value of their house.

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

Accurate and fair estate liquidation with help from Steve Backer Settling an estate

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, guaranteeing the maximum degree of discretion.

Most Americans do not have dedicated estate planners or executors to manage these matters, unlike wealthy individuals. A home or other property often makes up an uneven 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 walk away knowing they've received a fair deal.

Let Steve Backer help you with relocating to or from Flathead County

We know the headaches involved with an employee relocation. That being said, we take great care in establishing a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide remarks on the positive characteristics of their property, along with information about any recent sales or listings in their neighborhood that they want considered during our thorough process.

Selling your home quickly at the right price

A professional appraisal will help you make a more informed decision when determining your selling price, whether you choose to sell your home on your own or use the assistance of a real estate agent. Separate from a real estate agent, an appraiser has no vested interest in what amount the house sells for. Our fees are calculated on our efforts to complete the appraisal report and not a percentage of the sales price.

On a daily basis, we examine the difference in value items like an extra bathroom or a kitchen remodel can make. And we're experts in knowing how long houses stay on the market. So, seeking a professional appraisal is a trusted 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.

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