There are lots of reasons consumers call on CJ AppraisalThousands of people in California buy, sell or refinance their home each month. Many of these transactions involve a simple line item for an appraisal. Most lenders still call for a local expert because the stakes are very high, even though there are a growing number of automated home valuation processes that may seem more prudent than an appraisal. But is securing a mortgage the only reason you should get an appraisal? Are there more cases when the services of a certified, independent real estate professional could come in handy? Absolutely.
Let CJ Appraisal help you dispute your tax assessment in San Diego CountyIt'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 based upon a previous assessment of your house, so if values have declined in your area, you can appeal your assessment and save money. When building your case, an appraisal from CJ Appraisal is your best evidence. We're capable of assisting you in disputing your tax assessment.
CJ Appraisal can help you do away with PMI to lower your mortgage paymentWhen the amount being loaned to the home owner is more than 80% of the actual value of the property, nearly all lenders ask home owners to take out an additional insurance plan. That policy is Private Mortgage Insurance, or PMI. Since the added payment is usually lumped into the monthly mortgage payment, it is often forgotten. This is damaging because PMI isn't required 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 approved by the United States Congress that requires lenders to dismiss the PMI installments when the balance is paid down to 78% of the original value.
CJ Appraisal will give you a statement regarding the value of your home, and the expense of the appraisal can generally be recovered in a short amount of time because you'll no longer be paying the PMI.
Settling a divorce with less stress with an appraisal from CJ AppraisalA divorce can be a particularly traumatic experience for both parties, and it is often even more complicated by the difficult decision of who keeps the property. Regardless of the situation, it's wise to get an appraisal from CJ Appraisal so both parties are entirely aware of the true market value of their property.
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 mindThe death 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 real estate involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, guaranteeing the utmost degree of discretion.
Most Americans don't have dedicated estate planners or executors to handle these affairs, unlike many wealthy individuals. And since a home or other property often makes up a disproportionate 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 received a fair deal.
Let CJ Appraisal assist you in relocating to or from San Diego CountyEmployee relocation is a real pain, and we understand. That being said, we take great care in organizing an accommodating appointment time for the appraisal inspection. During our intensive process, we recommend employees that are moving to provide remarks on the positive aspects of their property, along with information regarding any recent sales or listings in their neighborhood that they want considered.
Selling your home quickly at the right price with an appraisal from CJ AppraisalA professional appraisal can help you make a better educated decision when determining your selling price, whether you decide to sell your home on your own or with the help of a real estate agent. An appraiser has no vested interest in what amount the house sells for, which is different than the interest of real estate agents. Our fees are calculated on our efforts to finish the appraisal report and not a percentage of the sales price.
On a daily basis, we analyze the difference in value things like an additional bathroom or a kitchen remodel can make. Seeking 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 homes are one the market.