Reasons someone would call Am Ex Appraisal

To many, an appraisal just looks like a line item in the long list of items for a home sale or refinance. Most lenders still need 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 more economical than an appraisal. But is obtaining a mortgage the only reason you should get an appraisal? Are there also times when the services of a licensed, independent real estate professional could be helpful? You bet there are.

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Let Am Ex Appraisal help you dispute your tax assessment in San Diego County

It's likely you're paying too much in property taxes if you live in an area where property values have depreciated. Ad Valorem taxes are based upon a previous assessment of your real estate, so if prices are less than what they used to be in your neighborhood, you can appeal your assessment and save money. An appraisal from Am Ex Appraisal is your best evidence when building your case. At Am Ex Appraisal,we can assist you in challenging your tax assessment.

Let Am Ex Appraisal help you eliminate PMI to lower your mortgage payment

When the amount being loaned to the homeowner is more than 80% of the actual value of the real estate, many lenders ask homeowners to take out an supplemental insurance policy. That policy is Private Mortgage Insurance, or PMI. Since the extra payment is usually lumped into the monthly mortgage payment, it is often forgotten. PMI isn't required when the leftover balance of the loan - whether through market appreciation or principal pay down - decreases below the 80% mark, making this very unfortunate. In fact, the Homeowners Protection Act (HPA) of 1998 was approved by the United States Congress that requires lenders to remove the PMI payments on most mortgages when the balance is paid down to 78% of the original value.

If you'd like to eliminate PMI, Am Ex Appraisal will give you a statement regarding the value of your home. The price you paid for the appraisal can often be regained in a short amount of time because you'll no longer be paying the PMI.

Settling a divorce with less stress

A divorce can be a very traumatic ordeal for both parties, and it is often more complicated by the strenuous decision of who gets the property. So both parties are entirely aware of the true market value of their home, it's a good idea to order an appraisal from Am Ex Appraisal, regardless of the circumstances.

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

Settling an estate with peace of mind

The death of a loved one is a hard time in life, and settling an estate from a death, or probate, often requires an appraisal to establish 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).

Most Americans don't have dedicated estate planners or executors to manage these matters, unlike wealthy individuals. A home or other property often makes up a disproportionate share of the total estate value, so knowing the true value of the real estate at hand is of vital importance to ensuring disputing parties walk away knowing they've gotten an honest deal.

Let Am Ex Appraisal help you with relocating to or from San Diego County

Moving due to a job change is a stressful event, and we understand. We take great care in setting up a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide feedback on the positive features of their property, along with information about any new sales or listings in their area that they want considered during our intensive process.

Don't sell out short or let your home stay on the market too long.

Whether you want 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. With much different interests than a real estate agent, an appraiser has no vested interest in what amount the house sells for. Our fees are based 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 properties are on the market. So, getting a professional appraisal is a trusted way to determine what improvements will add value and what an applicable sales price is for your home so you don't come up short or have your house on the market too long, costing you time and money.