Let MacBride Appraisal serve your appraisal needs
Thousands of people in California buy, sell or refinance their home each year. Many of these transactions contain a simple line item for an appraisal. And while there are a budding number of automated home valuation systems that might seem more prudent than an appraisal, almost all lenders still want a local expert because the stakes are so high. Is securing a mortgage the only reason you should get an appraisal? Are there other instances when the services of a certified, independent real estate professional could be helpful? You bet.
Dispute your tax assessment
It's quite 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 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. An appraisal from MacBride Appraisal is your best evidence when building your case. At MacBride Appraisal, we're qualified to assist you in disputing your tax assessment.
Eliminate PMI to lower your mortgage payment
Private Mortgage Insurance, or PMI, is an additional insurance plan that almost all lenders ask buyers to purchase when the amount being loaned to the home owner is more than 80% of the actual value of the home. This added payment is often bundled into the monthly mortgage payment and is promptly forgotten. This is damaging because PMI becomes unnecessary when the remaining balance of the loan - whether through market appreciation or principal pay down - goes below the 80% mark. In fact, the United States Congress implemented a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to dismiss the PMI payments when the loan-to-value ratio conditions have been met.
MacBride Appraisal can provide you with a statement regarding the value of your home, and the price you paid for the appraisal can often be regained in a short amount of time because you'll no longer be paying the PMI.
Order an appraisal from MacBride AppraisalOrder today
Settle a divorce with fewer hang-ups
A divorce is a particularly horrible experience for the parties involved, and it is often more complicated by the hard decision of who gets the property. So both parties are completely aware of the true market value of their house, it's a good idea to order an appraisal from MacBride Appraisal, regardless of the situation.
If the parties want to sell the home, they'll have a better idea of what price to set. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've gotten a fair assessment.
Accurate and fair estate liquidation
The 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 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).
Most Americans don't have dedicated estate planners or executors to take care of these issues, unlike wealthy individuals. And seeing that a home or other property often makes up an uneven share of the total estate value, knowing the true value of the real estate at hand is of vital importance to ensuring disputing parties leave knowing they've received an honest deal.
Move to or from San Diego County through an employee relocation program
Employee relocation is a stressful event, and we understand. That being said, we take great care in establishing an accommodating appointment time for the appraisal inspection. During our detailed inspection, we recommend relocating employees to provide remarks on the positive features of their property, along with information regarding any current sales or listings in their area that they want considered.
Close on your home quickly — for an accurate price
Whether you want 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 regarding your selling price. Apart from a real estate agent, an appraiser has no vested interest in what price the house sells for. Our fees rest on our efforts to finish the appraisal report and not a percentage of the sales price.
On a daily basis, we examine the difference in value items like an additional bathroom or a kitchen remodel can make. Seeking 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 houses stay on the market.