Why you should hire an appraiser

To many, an appraisal just looks like one more thing in the long list of items for a mortgage or refinance. Practically all lenders still call in a local expert because the stakes are very high, even though there are a developing number of automated home valuation methods that may appear more practical than an appraisal. Is getting a mortgage the only reason you should get an appraisal? Are there additional cases when the services of a licensed, independent real estate professional could be helpful? Absolutely.

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Appeal your tax assessment in San Diego County

If you reside in an area where the property value has 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. At MacBride Appraisal, we're capable of assisting you in disputing your tax assessment.

Get rid of PMI to lower your mortgage payment

When the amount being loaned to the home buyeris more than 80% of the actual value of the home, almost all lenders ask home buyers to take out this additional insurance plan. That policy is Private Mortgage Insurance, or PMI. This additional payment is often bundled into the monthly mortgage payment and is quickly forgotten. PMI becomes unnecessary when the leftover balance of the loan - whether through market appreciation or principal pay down - goes below the 80% level, making this very unfavorable. In fact, the Homeowners Protection Act (HPA) of 1998 was passed by the United States Congress that requires lenders to eliminate the PMI installments 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 appraisal can generally be offset in little time because you'll no longer be paying the PMI.

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Divorce settlement with fewer hang-ups

A divorce is often complicated by the strenuous decision of who gets the property, and it can be a very daunting ordeal for both parties. So both parties are fully aware of the true market value of their house, it's a good idea to order an appraisal from MacBride Appraisal, 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 on the flip side, if a "buyout" is the chosen option, both parties will feel like they've received a fair assessment.

Fair and accurate 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. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, guaranteeing the maximum degree of discretion.

Most Americans do not have dedicated estate planners or executors to handle these affairs, unlike wealthier individuals. And since 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 walk away knowing they've gotten an honest deal.

Relocate to or from San Diego County for work

Employee relocation is a stressful event, and we understand. That being said, we take great care in setting up a convenient appointment time for the appraisal inspection. During our thorough inspection, we recommend relocating employees to provide feedback on the positive aspects of their property, as well as information regarding any new sales or listings in their neighborhood that they want considered.

Close on your home promptly — for the right price

A professional appraisal will help you make a more informed decision when determining your asking price, whether you decide to sell your home on your own or use the assistance of a real estate agent. 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 complete the appraisal report.

We examine the difference in value items like an additional bathroom or a kitchen remodel can make on a daily basis. Seeking 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, because we're experts in knowing how long homes are one the market.

Let MacBride Appraisal help you sell your home quickly at the right price