Reasons to get an appraisal from MacBride AppraisalTo many, an appraisal is simply one more thing in the long list of items for a home purchase or refinance. Even though there are a growing number of automated home valuation systems that may seem less expensive than an appraisal, almost all lenders still call for a local expert because the stakes are so high. You might think that securing a mortgage is the only basis for getting an appraisal, but there are other instances when the services of a certified, independent real estate professional might be helpful.
Let MacBride Appraisal help you challenge your tax assessment in San Diego CountyIf you live in an area where the value of property has declined, it's possible you're paying too much in property taxes. An appraisal from MacBride Appraisal is your best evidence when building your case. At MacBride Appraisal, we're qualified to assist you in challenging your tax assessment.
How can you eliminate PMI to lower your mortgage payment?Private Mortgage Insurance, or PMI, is an additional insurance policy that most lenders ask homebuyers to purchase when the amount being loaned to the homeowner is more than 80% of the actual value of the property. Since the added payment is usually folded into the monthly mortgage payment, it is often forgotten. PMI isn't 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 passed by the United States Congress requiring lenders to do away with the PMI payments on most mortgages when the balance is paid down to 78% of the original value.
MacBride Appraisal will produce a statement regarding the value of your home, and the cost of the appraisal can often be regained in a short amount of time because you'll no longer be paying the PMI.
Divorce settlement with less stressA divorce is a particularly daunting experience for the parties involved, and it is often even more complicated by the troublesome decision of who maintains the home. It's a good idea to get an appraisal from MacBride Appraisal so both parties are entirely aware of the true market value of their house, regardless of the circumstances.
The parties will have a good idea of what price to set, if they wish to sell the home. And if a "buyout" is the chosen option, both parties will feel like they've gotten a fair assessment.
Accurate and fair estate liquidation with MacBride Appraisal Settling an estateThe death of a loved one is a painful time in life, and settling an estate from a death, or probate, often entails an appraisal to establish Market Value for the residential property involved. We ensure the fullest degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).
Most Americans do not have dedicated estate planners or executors to take care of these affairs, unlike wealthier individuals. And seeing that a home or other property often makes up an uneven share of the total estate value, understanding the certain value of the real estate at hand is of vital importance to ensuring disputing parties leave knowing they've gotten a fair deal.
Relocating to or from San Diego CountyWe understand the stress associated with an employee relocation. That being said, we take great care in organizing a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide feedback on the positive features of their property, as well as information about any recent sales or listings in their neighborhood that they want considered during our detailed process.
Sell your home quickly at the right priceA professional appraisal can help you make a better educated decision regarding your selling price, whether you decide to sell your home on your own or use the assistance of a real estate agent. An appraiser has no vested interest in what price the house sells for, unlike real estate agents. Our fees depend on our efforts to complete the appraisal report and and aren't related to the sales price.
We determine the difference in value things like an additional bathroom or a kitchen remodel can make on a daily basis. And we're experts in knowing how long properties stay on the market. So, getting a professional appraisal is a trusted way to decide 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 for an extended amount of time.