Reasons to order an appraisal from The Appraisal Company of N. CA.

Each year, thousands of people in California buy, sell or refinance their home. Many of these transactions include a simple line item for an appraisal. Most lenders still call in a local expert because the stakes are incredibly high, even though there are a budding number of automated home valuation processes that may appear to be more prudent than an appraisal. You might assume that obtaining a mortgage is the only reason to acquire an appraisal, but there are additional situations when the services of a licensed, independent real estate professional could be beneficial.


	For real estate appraisals in Richmond and Contra Costa County, it's easiest when your order online from The Appraisal Company of N. CA., just click here.

Let The Appraisal Company of N. CA. help you dispute your tax assessment in Contra Costa County

If you live in an area where property values have declined, it's possible you're paying too much in property taxes. When building your case, an appraisal from The Appraisal Company of N. CA. is your best evidence. At The Appraisal Company of N. CA., we're qualified to assist you in challenging your tax assessment.

Let The Appraisal Company of N. CA. assist you in lowering your mortgage payment

When the amount being loaned to the buyer is more than 80% of the actual value of the home, many lenders ask buyers to take out an additional insurance plan. That policy is Private Mortgage Insurance, or PMI. Very often, this added payment is folded into the monthly mortgage payment and is quickly forgotten. This is bad because PMI is no longer required when the remainder of the loan - whether through market appreciation or principal pay down - decreases below the 80% mark. In fact, the United States Congress invoked a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to do away with the PMI payments when the loan-to-value ratio conditions have been met.

The Appraisal Company of N. CA. will produce a statement regarding the value of your home, and the expense of the home valuation can usually be offset 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 daunting ordeal for both parties, and it is often even more complicated by the burdensome decision of who maintains the property. Regardless of the circumstances, it's wise to order an appraisal from The Appraisal Company of N. CA. so both parties are entirely aware of the true market value of their property.

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

Settling an estate with peace of mind

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 Market Value for the residential property 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 do not have dedicated estate planners or executors to manage these matters, unlike many wealthy individuals. A home or other property often makes up a disproportionate share of the total estate value, so understanding the true value of the real estate at hand is of significant importance to ensuring disputing parties leave knowing they've received an honest deal.

Relocating to or from Contra Costa County

We are aware of the headaches involved with an employee relocation. That being said, we take great care in organizing a convenient appointment time for the appraisal inspection. During our detailed process, we recommend relocating employees to provide feedback on the positive characteristics of their property, along with information about any new sales or listings in their area that they want considered.

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

A professional appraisal can help you make a better educated decision when determining your asking price, whether you want to sell your home on your own or with the help of a real estate agent. An appraiser has no vested interest in what amount the house sells for, which is different than the interest of real estate agents. The price we charge isn't a percentage of the sales price, but rather they are based on our efforts to finish the appraisal.

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 stay on the market. So, getting a professional appraisal is a trusted way to determine 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 for an extended amount of time.