Getting an appraisal from Dale AndersenTo many, an appraisal is simply a line item on the settlement sheet for a home sale or refinance. Most lenders still call for a local expert because the stakes are very high, even though there are an increasing number of automated home valuation systems that might seem cheaper than an appraisal. You might believe that securing a mortgage is the only basis for getting an appraisal, but there are additional cases when the services of a licensed, independent real estate professional might come in handy.
Appeal your tax assessment in Orange CountyIt's probable you're paying too much in property taxes if you reside in an area where property values have declined. Ad Valorem taxes are based upon a previous assessment of your real estate, so if prices are less than what they used to be in your area, you can challenge your assessment and save money. An appraisal from Dale Andersen is your best evidence when building your case. At Dale Andersen,we can assist you in disputing your tax assessment.
Let Dale Andersen help you get rid of PMI to lower your mortgage paymentPrivate Mortgage Insurance, or PMI, is an extra insurance policy that nearly all lenders ask buyers to buy when the amount being loaned to the buyer is more than 80% of the actual value of the home. Seeing that additional payment is usually lumped into the monthly mortgage payment, it is often forgotten. PMI becomes unnecessary when the remaining 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 implemented 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 get rid of PMI, Dale Andersen can give you a statement regarding the value of your home. The expense of the appraisal can usually be offset in just a few months because you'll no longer be paying the PMI.
Settling a divorce with less stressA divorce is a particularly daunting event for the parties involved, and it is often further complicated by the troublesome decision of who gets the home. Regardless of the circumstances, it's wise to get an appraisal from Dale Andersen so both parties are entirely aware of the true market value of their house.
The parties will have a clearer picture of what price to set, if they need to sell the home. And if a "buyout" is the chosen option, both parties will feel like they've gotten a fair assessment.
Accurate and fair estate liquidationLosing 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 guarantee the utmost degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).
Unlike many wealthy individuals, most Americans do not have dedicated estate planners or executors to handle these issues. And since a home or other property often makes up an unequal share of the total estate value, knowing the absolute value of the real estate at hand is of vital importance to ensuring disputing parties walk away knowing they've received an honest deal.
Let Dale Andersen assist you in relocating to or from Orange CountyWe understand the headaches associated with an employee relocation. That's why we take great care in organizing a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide input on the positive aspects of their property, along with information about any current sales or listings in their area that they want considered during our thorough process.
Let Dale Andersen help you sell your home quickly at the right priceA professional appraisal can help you make a more informed decision regarding your asking price, whether you choose 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 price the house sells for. Our fees aren't a percentage of the sales price, but rather they are based on our efforts to finish the appraisal.
We determine the difference in value things like an extra bathroom or a kitchen remodel can make on a daily basis. And we're experts in knowing how long homes stay on the market. So, seeking a professional appraisal is a reliable 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.