MAK-APPRAISAL in Mariposa is hired for diverse reasonsTo many, an appraisal is simply one more thing in the long list of items for a mortgage or refinance. Nearly all lenders still need a local expert because the stakes are very high, even though there are a growing number of automated home valuation systems that may appear more cost-effective than an appraisal. You might believe that getting a mortgage is the only reason you should get an appraisal, but there are more cases when the services of a licensed, independent real estate professional could be beneficial.
Dispute your tax assessment in Mariposa CountyIf you live in an area where property values have depreciated, it's possible you're paying too much in property taxes. An appraisal from MAK-APPRAISAL is your best evidence when building your case. At MAK-APPRAISAL, we're qualified to assist you in appealing your tax assessment.Let MAK-APPRAISAL help you do away with PMI to lower your mortgage paymentWhen the amount being loaned to the home buyer is more than 80% of the actual value of the property, nearly all lenders ask homebuyers to buy an added insurance plan. That policy is Private Mortgage Insurance, or PMI. This additional payment is often lumped into the monthly mortgage payment and is soon forgotten. This is damaging because PMI becomes unnecessary when the remaining balance of the loan - whether through market appreciation or principal pay down - decreases below the 80% mark. In fact, the Homeowners Protection Act (HPA) of 1998 was passed by the United States Congress that requires lenders to eliminate the PMI payments when the balance is paid down to 78% of the original value.If you'd like to do away with PMI, MAK-APPRAISAL can provide you with a statement regarding the value of your home. The expense of the appraisal can usually be regained in just a few months because you'll no longer be paying the PMI. Divorce settlement with less stressA divorce can be a particularly daunting event for both parties, and it is often even more complicated by the troublesome decision of who keeps the house. It's a good idea to order an appraisal from MAK-APPRAISAL so both parties are entirely 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 on the flip side, if a "buyout" is the chosen option, both parties will feel like they've gotten a fair assessment. Settling an estate with peace of mindThe loss of a loved one is a hard time in life, and settling an estate from a death, or probate, often entails an appraisal to establish Fair Market Value for the real estate involved. We ensure the utmost 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 handle these affairs. A home or other property often makes up an uneven share of the total estate value, so knowing the true value of the real estate at hand is of vital importance to ensuring disputing parties leave knowing they've gotten a fair deal. MAK-APPRAISAL can assist you in relocating to or from Mariposa CountyEmployee relocation can be a more than just an inconvenience. We know where you're coming from. That's why we take great care in setting up an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide feedback on the positive characteristics of their property, as well as information about any current sales or listings in their area that they want considered during our intensive process.Let MAK-APPRAISAL help you sell your home quickly at the right priceA professional appraisal will help you make a better educated decision when determining your asking price, whether you choose to sell your home on your own or with the help of a real estate agent. An appraiser has no vested interest in what price the house sells for, which is different than the interest of real estate agents. Our fees are derived from our efforts to perform the appraisal report and and aren't related to the sales price.We determine the difference in value items like an additional bathroom or a kitchen remodel can make on a daily basis. Getting a professional appraisal is a reliable way to determine 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 an unnecessarily long time - because we're experts in knowing how long properties are one the market. |
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