Let A.M. Appraisal attend to your appraisal needs

To many, an appraisal just looks like one more thing in the long list of items for a home sale or refinance. Practically all lenders still need a local expert because the stakes are very high, even though there are a budding number of automated home valuation systems that may appear to be more practical than an appraisal. You might think that securing a mortgage is the only basis for getting an appraisal, but there are additional situations when the services of a licensed, independent real estate professional might be helpful.

Let A.M. Appraisal help you lower your mortgage payment

Contest your tax assessment

If you reside in an area where the property value has depreciated, it's possible you're paying too much in property taxes. When building your case, an appraisal from us is your best evidence. We're capable of assisting you in appealing 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 buyers to purchase when the amount being loaned to the home owner is more than 80% of the actual value of the property. Most often, this extra payment is bundled into the monthly mortgage payment and is quickly forgotten. PMI is no longer required when the remainder of the loan - whether through market appreciation or principal pay down - dips below the 80% level, making this very unfavorable. In fact, the Homeowners Protection Act (HPA) of 1998 was invoked by the United States Congress that requires lenders to dismiss the PMI payments when the loan-to-value ratio conditions have been met.

If you'd like to eliminate PMI, A.M. Appraisal will give you a statement regarding the value of your home. The price you paid for the appraisal can generally be recovered in just a few months because you'll no longer be paying the PMI.

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Get a clear valuation on a home for divorce settlements

A divorce is often complicated by the strenuous decision of who maintains the house, and it can be a particularly daunting occurrence for both parties. So both parties are entirely aware of the true market value of their house, it's a good idea to get an appraisal from A.M. Appraisal, regardless of the situation.

The parties will have a good idea of what price to set, if they need to sell the home. And if a "buyout" is the chosen option, both parties will feel like they've gotten a fair assessment.

Determine a fair and accurate valuation for estate liquidation

The loss of a loved one is a hard 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. We guarantee 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 uneven 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 gotten an honest deal.

Move to or from Orange County through an employee relocation program

Employee relocation is a stressful event, and we understand. That being said, we take great care in setting up an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide input on the positive aspects of their property, as well as information about any recent sales or listings in their neighborhood that they want considered during our detailed inspection.

Close on your home quickly — at an accurate price

A professional appraisal can help you make a more informed decision regarding your selling price, whether you want to sell your home on your own or use the assistance of a real estate agent. Unlike a real estate agent, an appraiser has no vested interest in what amount the house sells for. Our fees aren't a percentage of the sales price, but rather they rest on our efforts to complete the appraisal report.

On a daily basis, we examine the difference in value things like an additional bathroom or a kitchen remodel can make. Obtaining 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 stay on the market.

Let A.M. Appraisal assist you in selling your home quickly at the right price