Ordering an appraisal from Fair Values

To many, an appraisal just looks like one more thing in the long list of items for a home purchase or refinance. Nearly all lenders still need a local expert because the stakes are incredibly high, even though there are a budding number of automated home valuation systems that may appear to be more cost-effective than an appraisal. You might think that getting a mortgage is the only reason to get an appraisal, but there are other situations when the services of a licensed, independent real estate professional might come in handy.


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Dispute your tax assessment in Orange County

If you live in an area where property values have depreciated, it's possible you're paying too much in property taxes. When building your case, an appraisal from Fair Values is your best evidence. At Fair Values, we're equipped to assist you in disputing your tax assessment.

Let Fair Values help you do away with PMI to lower your mortgage payment

Private Mortgage Insurance, or PMI, is an added insurance plan that almost all lenders ask homebuyers to buy when the amount being loaned to the home buyer is more than 80% of the actual value of the home. Most often, this additional payment is folded into the monthly mortgage payment and is soon forgotten. PMI is unnecessary when the remainder of the loan - whether through market appreciation or principal pay down - goes below the 80% mark, making this very unfortunate. In fact, the Homeowners Protection Act (HPA) of 1998 was implemented by the United States Congress requiring lenders to remove the PMI installments on most mortgages when the balance is paid down to 78% of the original value.

Fair Values will give you a statement regarding the value of your home, and the price you paid for the appraisal can generally be offset in little time because you'll no longer be paying the PMI.

An appraisal from Fair Values will help you settle a divorce with less stress

A divorce can be an especially daunting ordeal for both parties, and it is often even more complicated by the difficult decision of who gets the home. It's a good idea to get an appraisal from Fair Values so both parties are completely aware of the true market value of their home, regardless of the circumstances.

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.

Fair and accurate estate liquidation

The death of a loved one is a hard 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. 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 issues, unlike many wealthy individuals. A home or other property often makes up a disproportionate share of the total estate value, so knowing the true value of the real estate at hand is of essential importance to ensuring disputing parties leave knowing they've received an honest deal.

Let Fair Values help you with relocating to or from Orange County

We understand the headaches involved with an employee relocation. We take great care in establishing an accommodating appointment time for the appraisal inspection. During our detailed process, we suggest relocating employees to provide remarks on the positive features of their property, as well as information regarding any current sales or listings in their area that they want considered.

Selling your home quickly at the right price

Whether you decide to sell your home on your own or use the assistance of a real estate agent, a professional appraisal can help you make a more informed decision when determining your asking price. Separate from a real estate agent, an appraiser has no vested interest in what amount the house sells for. Our fees are based on our efforts to finish the appraisal report and and aren't related to the sales price.

On a daily basis, we determine the difference in value things like an additional bathroom or a kitchen remodel can make. Getting a professional appraisal is a reliable way to decide 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 stay on the market.

Fair Values provides FHA and conventional residential real estate appraisals in Los Angeles County, Orange County, San Bernardino County, Riverside County, and San Diego County. Call or email us today!