Reasons to order an appraisal from Century Appraisal Group

To a lot of us, an appraisal just looks like one more thing in the long list of items for a mortgage or refinance. Almost all lenders still need a local expert because the stakes are very high, even though there are a budding number of automated home valuation processes that may appear to be more prudent than an appraisal. But is securing a mortgage the only reason to get an appraisal? Are there additional times when the services of a licensed, independent real estate professional could be helpful? Absolutely.


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Let Century Appraisal Group help you appeal your tax assessment in Sacramento County

It's probable you're paying too much in property taxes if you live in an area where property values have declined. Ad Valorem taxes are determined by a past assessment of your house, 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 Century Appraisal Group is your best evidence when building your case. At Century Appraisal Group, we're capable of assisting you in disputing your tax assessment.

PMI removal will lower your mortgage payment

When the amount being loaned to the home owner is more than 80% of the actual value of the property, most lenders ask home buyers to buy an extra insurance policy. That policy is Private Mortgage Insurance, or PMI. More often than not, this extra payment is bundled into the monthly mortgage payment and is promptly forgotten. This is bad because PMI isn't necessary when the remaining balance of the loan - whether through market appreciation or principal pay down - goes below the 80% level. In fact, the United States Congress implemented a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to dismiss the PMI payments when the loan-to-value ratio conditions have been met.

Century Appraisal Group will produce a statement regarding the value of your home, and the expense of the appraisal can usually be recovered in little time because you'll no longer be paying the PMI.

Settling a divorce with less stress

A divorce is often complicated by the strenuous decision of who keeps the property, and it can be a very heartbreaking ordeal for both parties. It's a good idea to get an appraisal from Century Appraisal Group so both parties are entirely aware of the true market value of their house, regardless of the situation.

The parties will have a good idea of what price to set, if they want to sell the home. And 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 hard time in life, and settling an estate from a death, or probate, often entails an appraisal to establish Market Value for the real estate involved. We guarantee the highest degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).

Most Americans do not have dedicated estate planners or executors to manage these affairs, unlike wealthy individuals. And seeing that a home or other property often makes up an uneven share of the total estate value, knowing the absolute value of the real estate at hand is of essential importance to ensuring disputing parties leave knowing they've gotten a fair deal.

Century Appraisal Group can assist you in relocating to or from Sacramento County

Employee relocation is a more than just an inconvenience. We know where you're coming from! That being said, we take great care in establishing an accommodating appointment time for the appraisal inspection. During our detailed process, we suggest employees that are moving to provide feedback on the positive aspects of their property, along with information about any new sales or listings in their neighborhood that they want considered.

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

A professional appraisal will help you make a better educated decision when determining your selling price, whether you choose to sell your home on your own or use the assistance of a real estate agent. Unlike a real estate agent, an appraiser has no vested interest in what price the house sells for. The price we charge isn't related to the sales price, but rather they rest on our efforts to finish the appraisal.

On a daily basis, we analyze the difference in value items like an additional bathroom or a kitchen remodel can make. And we're experts in knowing how long homes are on the market. So, seeking a professional appraisal is a trusted way to decide what improvements will add value and what a suitable sales price is for your home so you don't come up short or have your house on the market an unnecessarily long time.