Reasons to choose an appraisal from Hall Appraisal Services, Inc.Every year, thousands of people in California purchase, sell or refinance their home. Many of these transactions involve a simple line item for an appraisal. Even though there are a growing number of automated home valuation processes that may seem cheaper than an appraisal, almost all lenders still call for a local expert because the stakes are incredibly high. You might think that securing a mortgage is the only reason to acquire an appraisal, but there are additional instances when the services of a certified, independent real estate professional might be beneficial. 
Contest your tax assessment in Fresno CountyIt's likely you're paying too much in property taxes if you live in an area where property values have declined. Property taxes are based upon a past assessment of your home, so if prices are less than what they used to be in your area, you can challenge your assessment and save money. An appraisal from Hall Appraisal Services, Inc. is your best evidence when building your case. We're capable of assisting you in challenging your tax assessment. Get rid of PMI to lower your mortgage paymentPrivate Mortgage Insurance, or PMI, is an additional insurance policy that nearly all lenders ask home owners to buy when the amount being loaned to the home owner is more than 80% of the actual value of the real estate. Seeing that added payment is usually bundled into the monthly mortgage payment, it is often forgotten. This is unfavorable because PMI becomes unnecessary when the leftover balance of the loan - whether through market appreciation or principal pay down - falls below the 80% mark. In fact, the Homeowners Protection Act (HPA) of 1998 was invoked by the United States Congress requiring lenders to dismiss the PMI installments when the loan-to-value ratio conditions have been met. If you'd like to eliminate PMI, Hall Appraisal Services, Inc. can produce a statement regarding the value of your home. The price you paid for the home valuation can often be offset in just a few months because you'll no longer be paying the PMI. Order your appraisal from Hall Appraisal Services, Inc. today Order onlineGet a clear valuation on a home take make a divorce settlement less stressfulA divorce is often complicated by the burdensome decision of who keeps the house, and it can be a particularly daunting occurrence for both parties. It's a good idea to order an appraisal from Hall Appraisal Services, Inc. so both parties are completely aware of the true market value of their property, regardless of the circumstances. If the parties want 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 assessment. Ascertain a fair and accurate valuation for estate liquidationThe loss of a loved one is a difficult time in life, and settling an estate from a death, or probate, often requires 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, guaranteeing the utmost degree of discretion. Unlike many wealthy individuals, most Americans don't have dedicated estate planners or executors to handle these issues. And seeing that a home or other property often makes up an unequal share of the total estate value, knowing the true worth of the real estate at hand is of significant importance to ensuring disputing parties walk away knowing they've gotten an honest deal. Relocate to or from Fresno County for workEmployee relocation is a stressful event, and we understand. That's why we take great care in establishing an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide input on the positive attributes of their property, along with information about any new sales or listings in their neighborhood that they want considered during our detailed inspection. Sell your home quickly — for an accurate priceA professional appraisal can help you make a more informed decision regarding your selling 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 aren't a percentage of the sales price, but rather they are calculated on our efforts to finish the appraisal report. We analyze the difference in value things like an extra bathroom or a kitchen remodel can make on a daily basis. And we're experts in knowing how long propertiesstay on the market. So, 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. 
|