Let The Appraisal Service serve your appraisal needs

Thousands of people in California buy, sell or refinance their home each year. Many of these transactions include a simple line item for an appraisal. Almost all lenders still call for a local expert because the stakes are so high, even though there are a developing number of automated home valuation processes that may appear less expensive than an appraisal. You might believe that securing a mortgage is the only basis for getting an appraisal, but there are more situations when the services of a licensed, independent real estate professional might be helpful.

Let The Appraisal Service assist you in lowering your mortgage payment

Challenge your tax assessment

It's probable you're paying too much in property taxes if you live in an area where property values have declined. Property taxes are determined by a past assessment of your home, so if prices have gone down in your neighborhood, you can appeal your assessment and save money. An appraisal from The Appraisal Service is your best evidence when building your case. At The Appraisal Service, we're capable of assisting you in challenging your tax assessment.

PMI removal to lower a mortgage payment

When the amount being loaned to the homebuyeris more than 80% of the actual value of the home, almost all lenders ask home buyers to buy this added insurance policy. That policy is Private Mortgage Insurance, or PMI. Oftentimes, this extra payment is folded 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% mark, making this very unfortunate. In fact, the Homeowners Protection Act (HPA) of 1998 was invoked by the United States Congress requiring lenders to do away with the PMI installments when the loan-to-value ratio conditions have been met.

If you'd like to do away with PMI, The Appraisal Service can give you a statement regarding the value of your home. The price you paid for the home valuation can often be recovered in a short amount of time because you'll no longer be paying the PMI.

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Settle a divorce with fewer hang-ups

A divorce can be a particularly horrible event for both parties, and it is often further complicated by the hard decision of who gets the property. Regardless of the circumstances, it's a good idea to order an appraisal from The Appraisal Service so both parties are entirely aware of the true market value of their home.

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 gotten a fair assessment.

Ascertain a fair and accurate 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 real estate involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, guaranteeing the utmost degree of discretion.

Unlike wealthier 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 an unequal share of the total estate value, so knowing the true value of the real estate at hand is of essential importance to ensuring disputing parties leave knowing they've gotten a fair deal.

Relocate to or from San Diego County through an employee relocation program

We know the headaches involved with an employee relocation. That being said, we take great care in establishing a convenient appointment time for the appraisal inspection. During our thorough inspection, we recommend relocating employees to provide remarks on the positive aspects of their property, as well as information about any recent sales or listings in their area that they want considered.

Close on your home quickly — for the right price

A professional appraisal will help you make a more informed decision when determining your selling price, whether you want to sell your home on your own or use the assistance of a real estate agent. An appraiser has no vested interest in what price the house sells for, unlike real estate agents. Our fees aren't related to the sales price, but rather they depend on our efforts to complete the appraisal report.

We analyze the difference in value items like an extra bathroom or a kitchen remodel can make on a daily basis. Getting a professional appraisal is a reliable way to determine 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, because we're experts in knowing how long properties are one the market.

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