6 Reasons to order an appraisal from All City Appraisal

Thousands of people in California purchase, sell or refinance their home each year. Most of these transactions consist of a simple line item for an appraisal. Almost all lenders still want a local expert because the stakes are so high, even though there are a budding number of automated home valuation methods that may appear to be less expensive than an appraisal. You might think that getting a mortgage is the only reason you should get an appraisal, but there are more times when the services of a licensed, independent real estate professional might be beneficial.

Let All City Appraisal assist you in lowering your mortgage payment

Contest your tax assessment

If you are in an area where property values have depreciated, it's possible you're paying too much in property taxes. An appraisal from All City Appraisal is your best evidence when building your case. We're capable of assisting you in appealing your tax assessment.

Eliminate PMI to lower your mortgage payment

When the amount being loaned to the buyeris more than 80% of the actual value of the real estate, most lenders ask homebuyers to purchase this supplemental insurance policy. That policy is Private Mortgage Insurance, or PMI. Since the extra payment is usually folded into the monthly mortgage payment, it is often forgotten. PMI is no longer required when the leftover balance 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 passed by the United States Congress that requires lenders to do away with the PMI payments when the loan-to-value ratio conditions have been met.

All City Appraisal will give you a statement regarding the value of your home, and the cost of the appraisal can generally be recovered in a short amount of time because you'll no longer be paying the PMI.

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Divorce settlement with less stress

A divorce is an especially daunting event for the parties involved, and it is often even more complicated by the difficult decision of who maintains the house. It's a good idea to get an appraisal from All City Appraisal so both parties are completely aware of the true market value of their house, regardless of the circumstances.

The parties will have a better 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.

Ascertain a fair and accurate 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, ensuring the highest degree of discretion.

Most Americans do not have dedicated estate planners or executors to take care of these matters, unlike wealthy individuals. And since a home or other property often makes up a disproportionate share of the total estate value, understanding the true worth of the real estate at hand is of essential importance to ensuring disputing parties leave knowing they've received a fair deal.

Move to or from Los Angeles County for work

Employee relocation is a stressful event, and we understand. That's why we take great care in setting up an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide feedback on the positive attributes of their property, as well as information regarding any new sales or listings in their area that they want considered during our intensive inspection.

Close on your home quickly — for an accurate price

Whether you decide to sell your home on your own or with the help of a real estate agent, a professional appraisal will help you make a better educated decision regarding your asking price. Apart from a real estate agent, an appraiser has no vested interest in what price the house sells for. Our fees aren't related to the sales price, but rather they depend on our efforts to finish the appraisal report.

On a daily basis, we analyze 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 houses are one the market.

Let All City Appraisal assist you in selling your home quickly at the right price
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