Reasons to get an appraisal from All City Appraisal

To many, an appraisal is simply one more thing in the long list of items for a home sale or refinance. The majority of lenders still need a local expert because the stakes are so high, even though there are a growing number of automated home valuation systems that may appear to be cheaper than an appraisal. Is obtaining a mortgage the only reason to get an appraisal? Are there additional cases when the services of a certified, independent real estate professional might come in handy? Absolutely.

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Dispute your tax assessment

If you live in an area where the value of property has depreciated, it's possible you're paying too much in property taxes. When building your case, an appraisal from us is your best evidence. At All City Appraisal, we're qualified to assist you in appealing your tax assessment.

PMI removal to reduce a mortgage payment

When the amount being loaned to the buyeris more than 80% of the actual value of the real estate, nearly all lenders ask homeowners to take out this added insurance plan. That policy is Private Mortgage Insurance, or PMI. This extra payment is often folded into the monthly mortgage payment and is soon forgotten. This is bad because PMI is unnecessary when the remainder of the loan - whether through market appreciation or principal pay down - goes below the 80% mark. In fact, the United States Congress implemented a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to dismiss the PMI installments when the loan-to-value ratio conditions have been met.

All City Appraisal can produce a statement regarding the value of your home, and the cost of the home valuation can usually be offset in little time because you'll no longer be paying the PMI.

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Divorce settlement with fewer hang-ups

A divorce can be a very horrible experience for both parties, and it is often further complicated by the challenging decision of who gets the home. So both parties are fully aware of the true market value of their home, it's a good idea to order an appraisal from All City Appraisal, regardless of the situation.

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.

Fair and accurate estate liquidation

The death of a loved one is a hard time in life, and settling an estate from a death, or probate, often calls for an appraisal to establish Fair Market Value for the residential property involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, ensuring the maximum degree of discretion.

Unlike wealthy individuals, most Americans don't have dedicated estate planners or executors to take care of these matters. And since a home or other property often makes up an uneven share of the total estate value, knowing the true value of the real estate at hand is of significant importance to ensuring disputing parties walk away knowing they've received a fair deal.

Relocate to or from Los Angeles County through an employee relocation program

We are familiar with the headaches involved with an employee relocation. That being said, we take great care in setting up an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide remarks on the positive attributes of their property, as well as information about any new sales or listings in their neighborhood that they want considered during our thorough inspection.

Close on your home promptly — at the right price

Whether you choose to sell your home on your own or with the help of a real estate agent, a professional appraisal can help you make a more informed decision when determining your asking price. Unlike a real estate agent, an appraiser has no vested interest in what price the house sells for. Our fees depend on our efforts to complete the appraisal report and not a percentage of the sales price.

We analyze the difference in value things like an additional bathroom or a kitchen remodel can make on a daily basis. Seeking 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 stay on the market.

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