Why order an appraisal from Bell Appraisal Services?To many, an appraisal just looks like one more thing in the long list of items for a home purchase or refinance. Practically all lenders still call in a local expert because the stakes are incredibly high, even though there are a multiplying number of automated home valuation systems that may seem cheaper than an appraisal. But is securing a mortgage the only reason you should get an appraisal? Are there additional times when the services of a certified, independent real estate professional could be helpful? Absolutely.
Let Bell Appraisal Services help you challenge your tax assessment in Kern CountyIf you reside in an area where property values have depreciated, it's possible you're paying too much in property taxes. An appraisal from Bell Appraisal Services is your best evidence when building your case. At Bell Appraisal Services,we can assist you in appealing your tax assessment.
Getting rid of your PMI will lower your mortgage paymentPrivate Mortgage Insurance, or PMI, is a supplemental insurance policy that many lenders ask buyers to purchase when the amount being loaned to the homeowner is more than 80% of the actual value of the property. This added payment is often lumped into the monthly mortgage payment and is promptly forgotten. PMI is no longer required when the leftover balance of the loan - whether through market appreciation or principal pay down - falls below the 80% level, making this very unfortunate. In fact, the United States Congress invoked a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to do away with the PMI payments when the loan-to-value ratio conditions have been met.
Bell Appraisal Services can produce a statement regarding the value of your home, and the cost of the appraisal can often be recovered in just a few months because you'll no longer be paying the PMI.
Divorce settlement with less stressA divorce is often complicated by the hard decision of who gets the house, and it can be a very traumatic event for both parties. It's a good idea to order an appraisal from Bell Appraisal Services so both parties are entirely aware of the true market value of their property, regardless of the circumstances.
If the parties need to sell the home, they'll have a better 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.
Settling an estate with peace of mindLosing 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 highest degree of discretion.
Most Americans do not have dedicated estate planners or executors to take care of these affairs, unlike wealthier individuals. A home or other property often makes up an unequal share of the total estate value, so understanding the true value of the real estate at hand is of vital importance to ensuring disputing parties leave knowing they've received an honest deal.
Relocating to or from Kern County?We are familiar with the stress involved with an employee relocation. That's why we take great care in setting up a convenient appointment time for the appraisal inspection. During our intensive process, we suggest relocating employees to provide remarks on the positive attributes of their property, as well as information about any recent sales or listings in their neighborhood that they want considered.
Sell your home quickly at the right priceA professional appraisal will help you make a more informed decision when determining your selling price, whether you decide to sell your home on your own or use the assistance of a real estate agent. With much different interests than 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 perform the appraisal report and not a percentage of the sales price.
We examine the difference in value items like an extra bathroom or a kitchen remodel can make on a daily basis. 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 - because we're experts in knowing how long properties stay on the market.