Why you should get an appraisalThousands of people in California buy, sell or refinance their home every month. A lot of these transactions consist of a simple line item for an appraisal. And while there are a multiplying number of automated home valuation processes that may seem more economical than an appraisal, nearly all lenders still call in a local expert because the stakes are so high. You might think that obtaining a mortgage is the only reason to acquire an appraisal, but there are more cases when the services of a certified, independent real estate professional could be helpful. 
Challenge your tax assessment in Tulare CountyIt's probable you're paying too much in property taxes if you live in an area where property values have depreciated. Ad Valorem taxes are determined by a previous assessment of your real estate, so if values have declined in your neighborhood, you can challenge your assessment and save money. When building your case, an appraisal from us is your best evidence. We're equipped to assist you in challenging your tax assessment. PMI removal to lower your mortgage paymentPrivate Mortgage Insurance, or PMI, is a supplemental insurance policy that most lenders ask homebuyers to purchase when the amount being loaned to the homebuyer is more than 80% of the actual value of the real estate. This additional payment is often bundled into the monthly mortgage payment and is soon forgotten. This is unfortunate 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 United States Congress invoked a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to dismiss the PMI installments when the loan-to-value ratio conditions have been met. If you'd like to do away with PMI, Savery Appraisal Services, Inc. can give you a statement regarding the value of your home. The price you paid for the home valuation can often be offset in a short amount of time because you'll no longer be paying the PMI. Order your appraisal from Savery Appraisal Services, Inc. today Order todayGet a fair valuation on a home for divorce settlementsA divorce is a particularly daunting experience for the parties involved, and it is often more complicated by the difficult decision of who keeps the house. So both parties are fully aware of the true market value of their home, it's a good idea to order an appraisal from Savery Appraisal Services, Inc., regardless of the circumstances. The parties will have a clearer picture of what price to set, if they need to sell the home. And if a "buyout" is the chosen option, both parties will feel like they've gotten a fair assessment. Determine a fair and accurate valuation for estate liquidationThe death 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 real estate involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, ensuring the highest degree of discretion. Unlike wealthy individuals, most Americans do not have dedicated estate planners or executors to handle these affairs. 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 vital importance to ensuring disputing parties walk away knowing they've gotten a fair deal. Relocate to or from Tulare County for workWe understand the stress associated with an employee relocation. That's why we take great care in establishing an accommodating appointment time for the appraisal inspection. During our intensive inspection, we recommend relocating employees to provide feedback on the positive characteristics of their property, as well as information regarding any new sales or listings in their area that they want considered. Close on your home quickly — at the right priceA professional appraisal will help you make a more informed decision regarding your selling price, whether you choose to sell your home on your own or use the assistance 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 depend on our efforts to complete the appraisal report and not a percentage of the sales price. On a daily basis, we analyze the difference in value items like an extra bathroom or a kitchen remodel can make. Obtaining a professional appraisal is a reliable way to decide what improvements will add value and what a suitable 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 houses are one the market. 
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