Why you should get an appraisal from Appraisal Options

Year after year, thousands of people in California buy, sell or refinance their home. A lot of these transactions consist of a simple line item for an appraisal. And even though there are a budding number of automated home valuation systems that might seem more economical than an appraisal, practically all lenders still want a local expert because the stakes are very high. You might assume that getting a mortgage is the only basis for getting an appraisal, but there are more cases when the services of a certified, independent real estate professional might come in handy.


	Order appraisals online from Appraisal Options by simply clicking here.

Let Appraisal Options help you appeal your tax assessment in Placer County

If you live in an area where property values have depreciated, it's possible you're paying too much in property taxes. An appraisal from Appraisal Options is your best evidence when building your case. At Appraisal Options, we're qualified to assist you in challenging your tax assessment.

Let Appraisal Options assist you in lowering your mortgage payment

Private Mortgage Insurance, or PMI, is a supplemental insurance policy that nearly all lenders ask homeowners to buy when the amount being loaned to the buyer is more than 80% of the actual value of the real estate. This extra payment is often lumped into the monthly mortgage payment and is soon forgotten. PMI isn't necessary when the leftover balance of the loan - whether through market appreciation or principal pay down - decreases below the 80% mark, making this very unfavorable. In fact, the Homeowners Protection Act (HPA) of 1998 was passed by the United States Congress requiring lenders to dismiss the PMI payments when the balance is paid down to 78% of the original value.

Appraisal Options can provide you with a statement regarding the value of your home, and the price you paid for the appraisal can usually be offset in little time because you'll no longer be paying the PMI.

Settling a divorce with less stress with an appraisal from Appraisal Options

A divorce is often complicated by the difficult decision of who keeps the property, and it can be a very heartbreaking experience for both parties. It's a good idea to order an appraisal from Appraisal Options so both parties are completely aware of the true market value of their home, regardless of the situation.

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

Settling an estate with peace of mind

Losing 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 residential property involved. We ensure the highest degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).

Most Americans do not have dedicated estate planners or executors to take care of these issues, unlike many wealthy individuals. And seeing that a home or other property often makes up an uneven share of the total estate value, understanding the certain value of the real estate at hand is of significant importance to ensuring disputing parties leave knowing they've received an honest deal.

Let Appraisal Options assist you in relocating to or from Placer County

Moving due to a job change is a stressful event. We know where you're coming from. That being said, we take great care in establishing an accommodating appointment time for the appraisal inspection. During our intensive process, we recommend employees that are moving to provide remarks on the positive attributes of their property, along with information about any current sales or listings in their neighborhood that they want considered.

Selling your home quickly at the right price with an appraisal from Appraisal Options

Whether you want to sell your home on your own or use the assistance of a real estate agent, a professional appraisal will help you make a more informed decision regarding your selling price. Unlike a real estate agent, an appraiser has no vested interest in what amount the house sells for. Our fees are derived from our efforts to finish the appraisal report and not a percentage of the sales price.

On a daily basis, we determine the difference in value things like an extra bathroom or a kitchen remodel can make. And we're experts in knowing how long homes stay on the market. So, seeking a professional appraisal is a trusted 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.