Let A.M. Appraisal serve your appraisal needs

To many, an appraisal just looks like one more thing on the break-sheet for a home sale or refinance. Even though there are an increasing number of automated home valuation processes that may appear to be more cost-effective than an appraisal, most lenders still need a local expert because the stakes are incredibly high. You might assume that obtaining a mortgage is the only reason you should get an appraisal, but there are more situations when the services of a certified, independent real estate professional could come in handy.

Let A.M. Appraisal assist you in lowering your mortgage payment

Challenge your tax assessment

It's probable you're paying too much in property taxes if you reside in an area where property values have depreciated. Property taxes are determined by a previous assessment of your home, so if prices have declined in your area, you can challenge your assessment and save money. An appraisal from A.M. Appraisal is your best evidence when building your case. We can assist you in disputing your tax assessment.

Get rid of PMI to lower your mortgage payment

Private Mortgage Insurance, or PMI, is an added insurance plan that many lenders ask homebuyers to purchase when the amount being loaned to the home buyer is more than 80% of the actual value of the property. This added payment is often lumped into the monthly mortgage payment and is promptly forgotten. PMI isn't necessary when the remainder of the loan - whether through market appreciation or principal pay down - falls below the 80% mark, making this very unfavorable. 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.

A.M. Appraisal will give you a statement regarding the value of your home, and the expense of the appraisal can generally be regained in just a few months because you'll no longer be paying the PMI.

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Get a fair valuation on a home for divorce settlements

A divorce can be an especially traumatic ordeal for both parties, and it is often even more complicated by the challenging decision of who gets the property. It's a good idea to get an appraisal from A.M. Appraisal so both parties are completely aware of the true market value of their property, regardless of the situation.

If the parties want 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.

Accurate and fair estate liquidation

The loss of a loved one is a difficult 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 utmost 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 do not have dedicated estate planners or executors to take care of these matters. A home or other property often makes up an unequal share of the total estate value, so knowing the true worth of the real estate at hand is of essential importance to ensuring disputing parties walk away knowing they've received a fair deal.

Move to or from Orange 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. During our intensive inspection, we recommend relocating employees to provide input on the positive features of their property, along with information about any recent sales or listings in their neighborhood that they want considered.

Close on your home quickly — for an accurate price

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

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

Let A.M. Appraisal help you sell your home quickly at the right price