Let A.M. Appraisal take care of your appraisal needs

To many, an appraisal just looks like a line item on the settlement sheet for a home purchase or refinance. While there are an increasing number of automated home valuation systems that may appear more cost-effective than an appraisal, most lenders still call for a local expert because the stakes are incredibly high. Is getting a mortgage the only basis for getting an appraisal? Are there additional instances when the services of a licensed, independent real estate professional could come in handy? You bet.

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

Appeal your tax assessment

If you live in an area where property values have depreciated, it's possible you're paying too much in property taxes. An appraisal from A.M. Appraisal is your best evidence when building your case. We can assist you in challenging your tax assessment.

PMI removal to reduce a mortgage payment

When the amount being loaned to the homebuyeris more than 80% of the actual value of the property, almost all lenders ask home owners to purchase this extra insurance plan. That policy is Private Mortgage Insurance, or PMI. This additional payment is often bundled into the monthly mortgage payment and is soon forgotten. This is unfortunate because PMI isn't required when the remaining balance of the loan - whether through market appreciation or principal pay down - falls below the 80% mark. In fact, the Homeowners Protection Act (HPA) of 1998 was implemented by the United States Congress requiring lenders to eliminate the PMI payments when the loan-to-value ratio conditions have been met.

A.M. Appraisal can provide you with a statement regarding the value of your home, and the cost of the home valuation can generally be regained in a short amount of time because you'll no longer be paying the PMI.

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Settle a divorce with less stress

A divorce can be a very traumatic event for both parties, and it is often further complicated by the hard decision of who keeps the home. It's a good idea to order an appraisal from A.M. Appraisal so both parties are completely aware of the true market value of their property, regardless of the situation.

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

Determine an accurate and fair valuation for estate liquidation

Losing 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 real estate involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, guaranteeing the fullest degree of discretion.

Most Americans don't have dedicated estate planners or executors to handle these issues, unlike many wealthy individuals. And since a home or other property often makes up an uneven share of the total estate value, knowing the true worth of the real estate at hand is of significant importance to ensuring disputing parties leave knowing they've gotten an honest deal.

Move to or from Orange County for work

We are familiar with the headaches associated with an employee relocation. We take great care in organizing an accommodating appointment time for the appraisal inspection. During our intensive 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 area that they want considered.

Close on your home promptly — at an accurate price

A professional appraisal can help you make a better educated decision regarding your asking price, whether you decide 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 depend on our efforts to complete the appraisal report and not a percentage of the sales price.

On a daily basis, we analyze the difference in value things like an additional bathroom or a kitchen remodel can make. And we're experts in knowing how long housesstay on the market. So, obtaining a professional appraisal is a trusted 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.

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