Why you should order an appraisal
Thousands 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. While there are a budding number of automated home valuation systems that might seem less expensive than an appraisal, nearly all lenders still want a local expert because the stakes are very high. Is securing a mortgage the only basis for getting an appraisal? Are there other cases when the services of a licensed, independent real estate professional could be helpful? Absolutely.
Contest your tax assessment in San Diego County
If you are in an area where property values have declined, it's possible you're paying too much in property taxes. When building your case, an appraisal from us is your best evidence. We can assist you in appealing your tax assessment.
Removing PMI for mortgage payments
Private Mortgage Insurance, or PMI, is an added insurance plan that nearly all lenders ask homeowners to buy when the amount being loaned to the buyer is more than 80% of the actual value of the property. Most often, this added payment is lumped into the monthly mortgage payment and is promptly forgotten. PMI isn't required when the leftover balance of the loan - whether through market appreciation or principal pay down - falls 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 dismiss the PMI installments when the loan-to-value ratio conditions have been met.
MacBride Appraisal can produce a statement regarding the value of your home, and the price you paid for the home valuation can usually be regained in little time because you'll no longer be paying the PMI.
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Settle a divorce with less stress
A divorce can be an especially horrible event for both parties, and it is often even more complicated by the troublesome decision of who gets the house. 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 house, regardless of the circumstances.
If the parties want to sell the home, they'll have a a good idea of what price to set. And if a "buyout" is the chosen option, both parties will feel like they've gotten a fair evaluation.
Ascertain an accurate and fair valuation for estate liquidation
The loss of 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 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).
Unlike wealthy individuals, most Americans don't have dedicated estate planners or executors to manage these affairs. And since a home or other property often makes up an uneven 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 an honest deal.
Move to or from San Diego County through an employee relocation program
We are familiar with the headaches associated with an employee relocation. We take great care in organizing a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide feedback 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 thorough inspection.
Sell your home quickly — at an accurate price
A professional appraisal can help you make a more informed decision when determining your selling price, whether you want to sell your home on your own or with the help of a real estate agent. An appraiser has no vested interest in what price the house sells for, apart from real estate agents. Our fees aren't related to the sales price, but rather they rest on our efforts to finish the appraisal report.
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 homesare on the market. So, 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.