Reasons to get an appraisal from Value Vision AppraisalsEach year, thousands of people in California purchase, sell or refinance their home. A lot of these transactions involve a simple line item for an appraisal. Almost all lenders still call for a local expert because the stakes are incredibly high, even though there are a growing number of automated home valuation processes that may appear to be cheaper than an appraisal. You might think that obtaining a mortgage is the only reason to get an appraisal, but there are more cases when the services of a licensed, independent real estate professional could be beneficial. 
Appeal your tax assessment in Orange CountyIt's likely 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 home, so if values are less than what they used to be in your area, you can challenge your assessment and save money. An appraisal from Value Vision Appraisals is your best evidence when building your case. At Value Vision Appraisals, we're equipped to assist you in disputing your tax assessment. Eliminate PMI to lower your mortgage paymentWhen the amount being loaned to the homeowneris more than 80% of the actual value of the real estate, most lenders ask home buyers to take out this supplemental insurance plan. That policy is Private Mortgage Insurance, or PMI. Since the extra payment is usually bundled into the monthly mortgage payment, it is often forgotten. This is unfavorable because PMI is no longer required when the remaining balance of the loan - whether through market appreciation or principal pay down - decreases below the 80% mark. In fact, the Homeowners Protection Act (HPA) of 1998 was invoked by the United States Congress requiring lenders to dismiss the PMI payments when the loan-to-value ratio conditions have been met. Value Vision Appraisals will produce a statement regarding the value of your home, and the cost of the appraisal can generally be regained in a short amount of time because you'll no longer be paying the PMI. Order your appraisal from Value Vision Appraisals today Order todayDivorce settlement with fewer hang-upsA divorce is a very horrible experience for the parties involved, and it is often more complicated by the hard decision of who gets the home. So both parties are completely aware of the true market value of their home, it's a good idea to order an appraisal from Value Vision Appraisals, regardless of the situation. 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 gotten a fair evaluation. Determine a fair and accurate valuation for estate liquidationThe loss of a loved one is a difficult time in life, and settling an estate from a death, or probate, often requires an appraisal to establish Fair Market Value for the real estate involved. We guarantee the fullest degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP). Most Americans don't have dedicated estate planners or executors to manage these matters, unlike many wealthy individuals. And since a home or other property often makes up an unequal share of the total estate value, knowing the true value of the real estate at hand is of essential importance to ensuring disputing parties leave knowing they've received an honest deal. Relocate to or from Orange County for workEmployee relocation can be a stressful event, and we understand. That being said, we take great care in setting up a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide input on the positive characteristics of their property, as well as information regarding any recent sales or listings in their neighborhood that they want considered during our thorough inspection. Close on your home promptly — for an accurate priceA professional appraisal will help you make a more informed decision regarding your selling price, whether you choose to sell your home on your own or with the help of a real estate agent. Apart from a real estate agent, an appraiser has no vested interest in what price the house sells for. Our fees are calculated on our efforts to complete the appraisal report and not a percentage of the sales price. We determine the difference in value things like an additional bathroom or a kitchen remodel can make on a daily basis. Seeking a professional appraisal is a reliable way to determine 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. 
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