Why you should order an appraisal from MacBride Appraisal
To many, an appraisal is simply a line item on the settlement sheet for a home purchase or refinance. Almost all lenders still need a local expert because the stakes are very high, even though there are a budding number of automated home valuation methods that might appear more practical than an appraisal. You might assume that securing a mortgage is the only reason you should get an appraisal, but there are more times when the services of a licensed, independent real estate professional might come in handy.
Appeal your tax assessment in San Diego County
If you reside in an area where property values have declined, it's possible you're paying too much in property taxes. An appraisal from MacBride Appraisal is your best evidence when building your case. We're equipped to assist you in appealing your tax assessment.
Removing PMI for mortgage payments
Private Mortgage Insurance, or PMI, is a supplemental insurance policy that nearly all lenders ask home owners to buy when the amount being loaned to the home buyer is more than 80% of the actual value of the home. Since the additional payment is usually folded into the monthly mortgage payment, it is often forgotten. PMI is no longer 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 implemented by the United States Congress that requires lenders to do away with the PMI payments when the loan-to-value ratio conditions have been met.
If you'd like to eliminate PMI, MacBride Appraisal will give you a statement regarding the value of your home. The expense of the appraisal can usually be recovered in just a few months because you'll no longer be paying the PMI.
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Settle a divorce with less stress
A divorce is an especially daunting event for the parties involved, and it is often even more complicated by the troublesome decision of who gets the home. It's a good idea to get an appraisal from MacBride Appraisal so both parties are fully aware of the true market value of their home, regardless of the situation.
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 evaluation.
Accurate and fair estate liquidation
The death of a loved one is a hard 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. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, guaranteeing the maximum degree of discretion.
Most Americans don't have dedicated estate planners or executors to take care of these affairs, unlike wealthy individuals. And seeing that a home or other property often makes up an unequal share of the total estate value, knowing the true worth of the real estate at hand is of vital importance to ensuring disputing parties leave knowing they've gotten an honest deal.
Relocate to or from San Diego County through an employee relocation program
Employee relocation is a stressful event, and we understand. We take great care in organizing an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide input on the positive features of their property, as well as information regarding any new sales or listings in their neighborhood that they want considered during our thorough inspection.
Sell your home quickly — for an accurate price
Whether you decide to sell your home on your own or with the help of a real estate agent, a professional appraisal can help you make a better educated decision when determining your asking price. 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 rest on our efforts to finish the appraisal report.
We analyze 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 housesstay on the market. So, obtaining 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.