JOHN SMITH APPRAISAL SERVICE in Diamond Springs are hired for numerous clients

Every 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 an increasing number of automated home valuation processes that might appear more practical than an appraisal, practically all lenders still need a local expert because the stakes are incredibly high. But is obtaining a mortgage the only reason you should get an appraisal? Are there other instances when the services of a certified, independent real estate professional might come in handy? Of course.


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Let JOHN SMITH APPRAISAL SERVICE help you challenge your tax assessment in El Dorado County

If you reside 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 JOHN SMITH APPRAISAL SERVICE is your best evidence. We're equipped to assist you in appealing your tax assessment.

Let JOHN SMITH APPRAISAL SERVICE help you get rid of PMI to lower your mortgage payment

When the amount being loaned to the home buyer is more than 80% of the actual value of the property, most lenders ask homebuyers to buy an added insurance plan. That policy is Private Mortgage Insurance, or PMI. Very often, this additional payment is lumped into the monthly mortgage payment and is soon forgotten. This is unfavorable because PMI becomes unnecessary when the remainder of the loan - whether through market appreciation or principal pay down - decreases below the 80% mark. In fact, the United States Congress passed a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to remove the PMI installments when the loan-to-value ratio conditions have been met.

If you'd like to do away with PMI, JOHN SMITH APPRAISAL SERVICE can provide you with a statement regarding the value of your home. The cost of the home valuation can usually be regained in just a few months because you'll no longer be paying the PMI.

Settling a divorce with less stress with an appraisal from JOHN SMITH APPRAISAL SERVICE

A divorce is often complicated by the hard decision of who maintains the property, and it can be a particularly traumatic experience for both parties. It's a good idea to get an appraisal from JOHN SMITH APPRAISAL SERVICE so both parties are entirely aware of the true market value of their house, regardless of the circumstances.

If the parties wish 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 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 real estate involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, guaranteeing the utmost degree of discretion.

Unlike many wealthy individuals, most Americans don't have dedicated estate planners or executors to take care of these issues. And seeing that a home or other property often makes up a disproportionate share of the total estate value, understanding the true value of the real estate at hand is of significant importance to ensuring disputing parties walk away knowing they've received an honest deal.

JOHN SMITH APPRAISAL SERVICE can assist you in relocating to or from El Dorado County

Employee relocation is a stressful event, and we understand. That being said, we take great care in organizing a convenient appointment time for the appraisal inspection. During our thorough process, we encourage relocating employees to provide input on the positive attributes of their property, as well as information regarding any new sales or listings in their neighborhood that they want considered.

Sell your home quickly at the right price with an appraisal from JOHN SMITH APPRAISAL SERVICE

Whether you want to sell your home on your own or with the help of a real estate agent, a professional appraisal will help you make a more informed decision regarding your selling price. With much different interests than a real estate agent, an appraiser has no vested interest in what price the house sells for. Our fees aren't contingent upon the value opinion we render, but rather they depend on our efforts to complete the appraisal.

We examine the difference in value things like an additional bathroom or a kitchen remodel can make on a daily basis. And we're experts in knowing how long houses stay on the market. So, seeking a professional appraisal is a trusted 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 for an extended amount of time.