Reasons to choose an appraisal from JLF Appraisals

To many, an appraisal is simply another fee in the long list of items for a home sale or refinance. The majority of lenders still call in a local expert because the stakes are incredibly high, even though there are a developing number of automated home valuation systems that might appear to be more cost-effective than an appraisal. You might think that getting a mortgage is the only reason you should get an appraisal, but there are more situations when the services of a licensed, independent real estate professional could be helpful.

Let JLF Appraisals help you lower your mortgage payment

Challenge your tax assessment

It's quite possible you're paying too much in property taxes if you live in an area where property values have depreciated. Property taxes are determined by a past assessment of your real estate, so if prices have declined in your area, you can appeal your assessment and save money. When building your case, an appraisal from us is your best evidence. At JLF Appraisals, we're capable of assisting you in challenging your tax assessment.

Remove PMI to lower your mortgage payment

Private Mortgage Insurance, or PMI, is an extra insurance plan that most lenders ask buyers to purchase when the amount being loaned to the home owner is more than 80% of the actual value of the property. Very often, this extra payment is bundled into the monthly mortgage payment and is quickly forgotten. PMI isn't necessary when the leftover balance of the loan - whether through market appreciation or principal pay down - dips below the 80% mark, making this very unfortunate. In fact, the United States Congress invoked a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to eliminate the PMI payments when the loan-to-value ratio conditions have been met.

If you'd like to eliminate PMI, JLF Appraisals will provide you with a statement regarding the value of your home. The expense of the appraisal can often be regained in little time because you'll no longer be paying the PMI.

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Divorce settlement with less stress

A divorce is a particularly horrible event for the parties involved, and it is often more complicated by the hard decision of who gets the home. Regardless of the situation, it's a good idea to get an appraisal from JLF Appraisals so both parties are entirely aware of the true market value of their house.

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

Ascertain a fair and accurate valuation for estate liquidation

Losing 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 fullest degree of discretion.

Unlike wealthier individuals, most Americans do not have dedicated estate planners or executors to handle these matters. And since a home or other property often makes up an uneven share of the total estate value, knowing the true worth of the real estate at hand is of vital importance to ensuring disputing parties walk away knowing they've received an honest deal.

Move to or from Fresno County for work

Employee relocation can be a stressful event, and we understand. That being said, we take great care in establishing a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide feedback on the positive characteristics of their property, along with information about any current sales or listings in their area that they want considered during our intensive inspection.

Sell your home quickly — at the right price

Whether you choose 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 regarding your selling price. 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 rest on our efforts to finish the appraisal report.

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 propertiesstay on the market. So, getting a professional appraisal is a trusted way to decide 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.

Let JLF Appraisals assist you in selling your home quickly at the right price