Why you should get an appraisal from MacBride Appraisal

Thousands of people in California buy, sell or refinance their home each month. A lot of these transactions consist of a simple line item for an appraisal. And while there are a developing number of automated home valuation processes that may appear cheaper than an appraisal, most lenders still need a local expert because the stakes are very high. Is obtaining a mortgage the only reason to acquire an appraisal? Are there other situations when the services of a certified, independent real estate professional could be beneficial? You bet there are.

Let MacBride Appraisal assist you in lowering your mortgage payment

Dispute your tax assessment

It's possible you're paying too much in property taxes if you reside in an area where property values have declined. Property taxes are based upon a previous assessment of your house, so if values are less than what they used to be in your neighborhood, you can appeal your assessment and save money. An appraisal from MacBride Appraisal is your best evidence when building your case. We're equipped to assist you in disputing your tax assessment.

Getting rid of your PMI for mortgage payments

When the amount being loaned to the buyeris more than 80% of the actual value of the real estate, nearly all lenders ask homebuyers to take out this added insurance plan. That policy is Private Mortgage Insurance, or PMI. Since the added payment is usually lumped into the monthly mortgage payment, it is often forgotten. This is bad because PMI isn't required when the remainder of the loan - whether through market appreciation or principal pay down - dips below the 80% level. In fact, the Homeowners Protection Act (HPA) of 1998 was implemented by the United States Congress requiring lenders to remove the PMI payments when the loan-to-value ratio conditions have been met.

If you'd like to eliminate PMI, MacBride Appraisal can produce a statement regarding the value of your home. The cost of the home valuation can generally be regained in little time because you'll no longer be paying the PMI.

Order your appraisal from MacBride Appraisal today

Order online

Get a clear valuation on a home take make a divorce settlement less stressful

A divorce is an especially daunting experience for the parties involved, and it is often further complicated by the difficult decision of who maintains the home. So both parties are entirely aware of the true market value of their house, it's a good idea to get an appraisal from MacBride Appraisal, regardless of the circumstances.

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

Ascertain an accurate and fair valuation for estate liquidation

Losing a loved one is a painful 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. 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).

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 worth of the real estate at hand is of vital importance to ensuring disputing parties walk away knowing they've received a fair deal.

Relocate to or from San Diego County for work

Employee relocation can be a stressful event, and we understand. That being said, 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 characteristics 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 the right price

A 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 use the assistance of a real estate agent. Unlike a real estate agent, an appraiser has no vested interest in what price the house sells for. Our fees rest on our efforts to complete the appraisal report and not a percentage of the sales price.

We determine the difference in value items like an extra bathroom or a kitchen remodel can make on a daily basis. And we're experts in knowing how long homesstay on the market. So, getting a professional appraisal is a reliable 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.

Let MacBride Appraisal assist you in selling your home quickly at the right price