Why you should get an appraisal

To a lot of people, an appraisal just looks like a line item on the settlement sheet for a home sale or refinance. Nearly all lenders still call in a local expert because the stakes are so high, even though there are a developing number of automated home valuation processes that may seem less expensive than an appraisal. But is securing a mortgage the only reason you should get an appraisal? Are there more times when the services of a certified, independent real estate professional might be beneficial? Of course there are.

For real estate appraisals in Moreno Valley and Riverside County, it's easiest when your order online from JUDGE APPRAISAL, just click here.

Let JUDGE APPRAISAL help you dispute your tax assessment in Riverside County

If you reside 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 JUDGE APPRAISAL is your best evidence. At JUDGE APPRAISAL,we can assist you in challenging your tax assessment.

Eliminating PMI will lower your mortgage payment

Private Mortgage Insurance, or PMI, is an extra insurance policy that nearly all lenders ask homeowners to buy when the amount being loaned to the home buyer is more than 80% of the actual value of the real estate. Since the additional payment is usually lumped into the monthly mortgage payment, it is often forgotten. This is unfortunate because PMI isn't required when the leftover balance of the loan - whether through market appreciation or principal pay down - goes below the 80% level. In fact, the United States Congress implemented a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to eliminate the PMI installments when the loan-to-value ratio conditions have been met.

JUDGE APPRAISAL can provide you with a statement regarding the value of your home, and the cost 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 with an appraisal from JUDGE APPRAISAL

A divorce can be a particularly daunting experience for both parties, and it is often further complicated by the strenuous decision of who gets the property. So both parties are completely aware of the true market value of their home, it's a good idea to order an appraisal from JUDGE APPRAISAL, regardless of the situation.

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

Settling an estate with peace of mind

The death of 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 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 do not have dedicated estate planners or executors to manage these matters. A home or other property often makes up an unequal share of the total estate value, so knowing the true value of the real estate at hand is of significant importance to ensuring disputing parties walk away knowing they've gotten an honest deal.

Let JUDGE APPRAISAL assist you in relocating to or from Riverside County

We are familiar with the headaches involved with an employee relocation. We take great care in establishing an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide feedback on the positive characteristics of their property, along with information about any recent sales or listings in their area that they want considered during our intensive process.

Sell your home quickly at the right price

Whether you want to sell your home on your own or with the help of a real estate agent, a professional appraisal will help you make a better educated decision when determining your asking price. Separate from a real estate agent, an appraiser has no vested interest in what price the house sells for. Our fees are based on our efforts to finish the appraisal report and not a percentage of the sales price.

We analyze the difference in value items like an additional bathroom or a kitchen remodel can make on a daily basis. And we're experts in knowing how long homes stay on the market. So, getting a professional appraisal is a trusted 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 too long, costing you time and money.