Reasons to get an appraisalThousands of people in California buy, sell or refinance their home every year. A lot of these transactions consist of a simple line item for an appraisal. Most lenders still need a local expert because the stakes are incredibly high, even though there are a developing number of automated home valuation methods that may appear more cost-effective than an appraisal. You might believe that securing a mortgage is the only reason to acquire an appraisal, but there are additional situations when the services of a certified, independent real estate professional might be helpful. 
Contest your tax assessment in San Diego CountyIt'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 real estate, so if values are less than what they used to be in your area, you can appeal your assessment and save money. When building your case, an appraisal from us is your best evidence. We're capable of assisting you in appealing your tax assessment. PMI removal to reduce your mortgage paymentWhen the amount being loaned to the home owneris more than 80% of the actual value of the home, most lenders ask homebuyers to take out this supplemental insurance policy. That policy is Private Mortgage Insurance, or PMI. Since the extra payment is usually lumped into the monthly mortgage payment, it is often forgotten. PMI isn't required when the remaining balance 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) requiring lenders to remove the PMI installments when the loan-to-value ratio conditions have been met. The Appraisal Firm will produce a statement regarding the value of your home, and the price you paid for the home valuation can usually be offset in little time because you'll no longer be paying the PMI. Order your appraisal from The Appraisal Firm today Order onlineGet a clear valuation on a home for divorce settlementsA divorce can be an especially traumatic experience for both parties, and it is often further complicated by the burdensome decision of who maintains 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 The Appraisal Firm, regardless of the situation. If the parties need to sell the home, they'll have a clearer picture 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. Accurate and fair estate liquidationLosing 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 Fair 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 fullest degree of discretion. Most Americans do not have dedicated estate planners or executors to manage these issues, unlike wealthy individuals. And seeing that a home or other property often makes up an unequal share of the total estate value, understanding the true value of the real estate at hand is of essential importance to ensuring disputing parties walk away knowing they've received a fair deal. Move to or from San Diego County through an employee relocation programEmployee relocation can be a stressful event, and we understand. We take great care in setting up an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide feedback on the positive features of their property, as well as information about any recent sales or listings in their neighborhood that they want considered during our intensive inspection. Sell your home promptly — for an accurate priceA professional appraisal will help you make a better educated decision regarding your asking price, whether you choose to sell your home on your own or with the help of a real estate agent. An appraiser has no vested interest in what amount the house sells for, apart from real estate agents. Our fees aren't a percentage of the sales price, but rather they are based on our efforts to finish the appraisal report. 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 determine 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. 
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