Ordering an appraisal from Access Appraisals

Year after year, thousands of people in California purchase, sell or refinance their home. A lot of these transactions contain a simple line item for an appraisal. Almost all lenders still want a local expert because the stakes are so high, even though there are an increasing number of automated home valuation methods that may appear cheaper than an appraisal. You might believe that securing a mortgage is the only reason to get an appraisal, but there are other situations when the services of a certified, independent real estate professional could be beneficial.


	Order appraisals online from Access Appraisals by simply clicking here.

Let Access Appraisals help you challenge your tax assessment in Nevada County

It's probable you're paying too much in property taxes if you reside in an area where property values have depreciated. Property taxes are based upon a previous assessment of your home, so if values are less than what they used to be in your neighborhood, you can challenge your assessment and save money. When building your case, an appraisal from Access Appraisals is your best evidence. At Access Appraisals,we can assist you in appealing your tax assessment.

Let Access Appraisals help you eliminate PMI to lower your mortgage payment

Private Mortgage Insurance, or PMI, is an additional insurance plan that almost all lenders ask home owners to buy when the amount being loaned to the homeowner is more than 80% of the actual value of the property. Very often, this extra payment is folded into the monthly mortgage payment and is promptly forgotten. PMI isn't required when the remaining balance of the loan - whether through market appreciation or principal pay down - dips below the 80% mark, making this very unfavorable. In fact, the Homeowners Protection Act (HPA) of 1998 was approved by the United States Congress requiring lenders to dismiss the PMI installments on most mortgages when the balance is paid down to 78% of the original value.

If you'd like to do away with PMI, Access Appraisals can produce a statement regarding the value of your home. The expense of the home valuation can often be offset in a short amount of time because you'll no longer be paying the PMI.

Divorce settlement with less stress

A divorce can be a particularly traumatic ordeal for both parties, and it is often even more complicated by the difficult decision of who keeps the home. Regardless of the circumstances, it's wise to order an appraisal from Access Appraisals so both parties are fully aware of the true market value of their house.

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

Accurate and fair estate liquidation

Losing a loved one is a difficult time in life, and settling an estate from a death, or probate, often entails an appraisal to establish Market Value for the residential property involved. We ensure the maximum degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).

Unlike wealthy individuals, most Americans do not have dedicated estate planners or executors to handle these issues. And seeing that a home or other property often makes up an uneven share of the total estate value, understanding the precise value of the real estate at hand is of vital importance to ensuring disputing parties leave knowing they've received a fair deal.

Access Appraisals can help you with relocating to or from Nevada County

Employee relocation can be a stressful event, and we understand. That's why we take great care in establishing a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide feedback on the positive attributes of their property, as well as information regarding any current sales or listings in their area that they want considered during our detailed process.

Don't sell out for too little or keep your home on the market too long.

Whether you choose to sell your home on your own or with the help of a real estate agent, a professional appraisal will help you make a better educated decision when determining your asking price. An appraiser has no vested interest in what amount the house sells for, which is different than the interest of real estate agents. Our fees depend on our efforts to finish the appraisal report and and aren't related to the sales price.

On a daily basis, we examine the difference in value things like an extra bathroom or a kitchen remodel can make. And we're experts in knowing how long houses stay 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.