Reasons to order an appraisal from The Appraisal FirmEvery year, thousands of people in California purchase, sell or refinance their home. Many of these transactions include a simple line item for an appraisal. Almost all lenders still want a local expert because the stakes are so high, even though there are a budding number of automated home valuation methods that might seem cheaper than an appraisal. Is obtaining a mortgage the only reason to get an appraisal? Are there other cases when the services of a certified, independent real estate professional might come in handy? You bet there are. 
Dispute your tax assessment in San Diego CountyIt's possible you're paying too much in property taxes if you reside in an area where property values have depreciated. Property taxes are based upon a past assessment of your home, so if values are less than what they used to be in your neighborhood, you can challenge your assessment and save money. An appraisal from The Appraisal Firm is your best evidence when building your case. At The Appraisal Firm, we're capable of assisting you in challenging your tax assessment. PMI removal to lower a mortgage paymentWhen the amount being loaned to the homeowneris more than 80% of the actual value of the real estate, many lenders ask home buyers to take out this extra insurance plan. That policy is Private Mortgage Insurance, or PMI. This additional payment is often folded into the monthly mortgage payment and is quickly forgotten. PMI is no longer required when the remainder of the loan - whether through market appreciation or principal pay down - decreases below the 80% level, making this very unfortunate. In fact, the Homeowners Protection Act (HPA) of 1998 was invoked by the United States Congress requiring lenders to dismiss the PMI payments when the loan-to-value ratio conditions have been met. The Appraisal Firm can provide you with a statement regarding the value of your home, and the price you paid for the appraisal can often be recovered in a short amount of time because you'll no longer be paying the PMI. Get your appraisal from The Appraisal Firm Order onlineGet a fair valuation on a home take make a divorce settlement less stressfulA divorce is a very horrible event for the parties involved, and it is often even more complicated by the difficult decision of who keeps the property. Regardless of the circumstances, it's a good idea to order an appraisal from The Appraisal Firm so both parties are entirely aware of the true market value of their house. The parties will have a better idea of what price to set, if they wish to sell the home. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've received a fair evaluation. Ascertain an accurate and fair valuation for estate liquidationThe loss of a loved one is a difficult time in life, and settling an estate from a death, or probate, often entails an appraisal to establish Fair Market Value for the residential property involved. We ensure the fullest 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 don't have dedicated estate planners or executors to take care of these affairs. 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 vital importance to ensuring disputing parties walk away knowing they've gotten a fair deal. Relocate to or from San Diego County through an employee relocation programEmployee relocation can be a stressful event, and we understand. That being said, we take great care in establishing an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide remarks on the positive features of their property, along with information about any current sales or listings in their area that they want considered during our intensive inspection. Close on your home promptly — for an accurate priceWhether you choose to sell your home on your own or use the assistance of a real estate agent, a professional appraisal can help you make a more informed decision when determining your asking price. Apart from a real estate agent, an appraiser has no vested interest in what amount the house sells for. Our fees depend on our efforts to finish the appraisal report and not a percentage of the sales price. We analyze the difference in value things like an extra bathroom or a kitchen remodel can make on a daily basis. And we're experts in knowing how long propertiesstay on the market. So, getting a professional appraisal is a trusted 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. 
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