Why you should get an appraisal from Active Appraisal Service

To many, an appraisal just looks like one more thing in the long list of items for a home purchase or refinance. And while there are a multiplying number of automated home valuation processes that might seem cheaper than an appraisal, nearly all lenders still need a local expert because the stakes are very high. You might believe that securing a mortgage is the only reason to acquire an appraisal, but there are more instances when the services of a certified, independent real estate professional could come in handy.


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Let Active Appraisal Service help you dispute your tax assessment in Stanislaus County

It's probable you're paying too much in property taxes if you live in an area where property values have depreciated. Property taxes are based upon a past assessment of your real estate, so if prices are less than what they used to be in your neighborhood, you can challenge your assessment and save money. An appraisal from Active Appraisal Service is your best evidence when building your case. We're qualified to assist you in challenging your tax assessment.

Let Active Appraisal Service help you get rid of PMI to lower your mortgage payment

Private Mortgage Insurance, or PMI, is a supplemental insurance policy that almost all lenders ask homeowners to purchase when the amount being loaned to the homebuyer is more than 80% of the actual value of the real estate. Since the added payment is usually bundled 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 unfavorable. In fact, the Homeowners Protection Act (HPA) of 1998 was approved by the United States Congress requiring lenders to do away with the PMI installments when the balance is paid down to 78% of the original value.

Active Appraisal Service will produce a statement regarding the value of your home, and the expense of the appraisal can often be offset in just a few months because you'll no longer be paying the PMI.

Settling a divorce with less stress

A divorce is often complicated by the strenuous decision of who gets the property, and it can be a very heartbreaking event for both parties. It's a good idea to get an appraisal from Active Appraisal Service so both parties are completely aware of the true market value of their property, regardless of the circumstances.

If the parties need to sell the home, they'll have a better idea of what price to set. And 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 calls for an appraisal to establish Market Value for the real estate involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, guaranteeing the highest degree of discretion.

Most Americans do not have dedicated estate planners or executors to manage these issues, unlike wealthy individuals. And since a home or other property often makes up an uneven share of the total estate value, knowing the precise value of the real estate at hand is of vital importance to ensuring disputing parties leave knowing they've received an honest deal.

Active Appraisal Service can help you with relocating to or from Stanislaus County

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

Selling your home quickly at the right price with an appraisal from Active Appraisal Service

A professional appraisal can help you make a more informed decision regarding your asking price, whether you choose to sell your home on your own or with the help of a real estate agent. With much different interests than a real estate agent, an appraiser has no vested interest in what amount the house sells for. Our fees depend on our efforts to finish the appraisal report and and aren't related to the sales price.

On a daily basis, we determine the difference in value things like an additional bathroom or a kitchen remodel can make. And we're experts in knowing how long houses are on the market. So, getting a professional appraisal is a trusted way to decide 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.