Reasons to order an appraisal
Thousands of people in California buy, sell or refinance their home every month. Most of these transactions involve a simple line item for an appraisal.
And while there are a multiplying number of automated home valuation methods that might seem cheaper than an appraisal, nearly all lenders still want a local expert because the stakes are so high.
You might assume that obtaining a mortgage is the only reason you should get an appraisal, but there are additional times when the services of a licensed, independent real estate professional might be beneficial.
When you're planning on any transaction where the likely sales price of your home is in question, you should contact Active Appraisal Service. Just click here
Let Active Appraisal Service help you appeal your tax assessment in Stanislaus County
It's quite possible you're paying too much in property taxes if you reside in an area where property values have declined. Property taxes are determined by a past assessment of your real estate, so if prices have gone down in your area, you can appeal your assessment and save money.
An appraisal from Active Appraisal Service is your best evidence when building your case.
At Active Appraisal Service, we're capable of assisting you in challenging your tax assessment.
Let Active Appraisal Service assist you in lowering your mortgage payment
Private Mortgage Insurance, or PMI, is a supplemental insurance policy that almost all lenders ask buyers to buy when the amount being loaned to the homebuyer is more than 80% of the actual value of the property.
This added payment is often lumped into the monthly mortgage payment and is quickly forgotten.
PMI is no longer required when the remaining balance 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 implemented 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.
Active Appraisal Service will give you a statement regarding the value of your home, and the price you paid for the appraisal can usually be regained in little time because you'll no longer be paying the PMI.
Divorce settlement with less stress
A divorce is a very daunting experience for the parties involved, and it is often more complicated by the troublesome decision of who gets the home.
So both parties are entirely aware of the true market value of their property, it's a good idea to get an appraisal from Active Appraisal Service, regardless of the circumstances.
If the parties need to sell the home, they'll have a clearer picture of what price to set. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've gotten a fair evaluation.
Settling an estate with peace of mind
The loss of a loved one is a painful time in life, and settling an estate from a death, or probate, often requires 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).
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 correct value of the real estate at hand is of vital importance to ensuring disputing parties leave knowing they've gotten a fair deal.
Active Appraisal Service can assist you in relocating to or from Stanislaus County
We are aware of the headaches involved with an employee relocation.
That's why we take great care in establishing a convenient appointment time for the appraisal inspection.
We encourage relocating employees to provide feedback on the positive aspects of their property, along with information regarding any new sales or listings in their neighborhood that they want considered during our thorough process.
Selling your home quickly at the right price with an appraisal from Active Appraisal Service
A professional appraisal will help you make a more informed decision when determining your asking price, whether you decide to sell your home on your own or with the help of a real estate agent.
Unlike 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.
We analyze the difference in value items like an extra bathroom or a kitchen remodel can make on a daily basis.
And we're experts in knowing how long properties are on the market. So, seeking 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 an unnecessarily long time.
Active Appraisal Service PO Box 2966 Turlock, CA 95381-2966
Why an appraisal? | Home
Copyright © 2013 Active Appraisal Service
Portions Copyright © 2013 a la mode, inc.