Reasons to get an appraisal from Orange Coast Appraisal Group

Thousands of people in California buy, sell or refinance their home each month. Many of these transactions include a simple line item for an appraisal. While there are a budding number of automated home valuation systems that might appear to be less expensive than an appraisal, most lenders still call in a local expert because the stakes are incredibly high. You might assume that getting a mortgage is the only reason to acquire an appraisal, but there are more situations when the services of a certified, independent real estate professional might come in handy.


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Let Orange Coast Appraisal Group help you dispute your tax assessment in Orange and San Diego Counties

If you live in an area where property values have depreciated, it's possible you're paying too much in property taxes. An appraisal from Orange Coast Appraisal Group is your best evidence when building your case. At Orange Coast Appraisal Group, we're qualified to assist you in appealing your tax assessment.

Orange Coast Appraisal Group can help you get rid of PMI to lower your mortgage payment

Private Mortgage Insurance, or PMI, is an extra insurance plan that most lenders ask homeowners to purchase when the amount being loaned to the homeowner is more than 80% of the actual value of the real estate. More often than not, this additional payment is folded into the monthly mortgage payment and is promptly forgotten. This is bad because PMI is unnecessary when the remainder of the loan - whether through market appreciation or principal pay down - goes below the 80% level. In fact, the United States Congress invoked a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to remove the PMI installments when the loan-to-value ratio conditions have been met.

If you'd like to eliminate PMI, Orange Coast Appraisal Group can give you a statement regarding the value of your home. The expense of the home valuation can usually be offset in just a few months because you'll no longer be paying the PMI.

Divorce settlement with less stress

A divorce is often complicated by the troublesome decision of who keeps the house, and it can be a very traumatic ordeal for both parties. Regardless of the situation, it's prudent to order an appraisal from Orange Coast Appraisal Group so both parties are fully aware of the true market value of their home.

If the parties need 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 received a fair assessment.

Accurate and fair estate liquidation with help from Orange Coast Appraisal GroupSettling an estate

The loss of a loved one is a hard time in life, and settling an estate from a death, or probate, often calls for an appraisal to establish Market Value for the real estate involved. We ensure the utmost 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 take care of these issues, unlike many wealthy individuals. A home or other property often makes up a disproportionate share of the total estate value, so knowing the true value of the real estate at hand is of essential importance to ensuring disputing parties walk away knowing they've received a fair deal.

Relocating to or from Orange County?

We understand the headaches involved with an employee relocation. 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 aspects of their property, along with information about any new sales or listings in their area that they want considered during our thorough process.

Selling your home quickly at the right price with an appraisal from Orange Coast Appraisal Group

A 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 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 amount the house sells for. The price we charge isn't a percentage of the sales price, but rather they rest on our efforts to finish the appraisal.

We analyze the difference in value items like an extra bathroom or a kitchen remodel can make on a daily basis. Getting a professional appraisal is a reliable 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 - because we're experts in knowing how long properties are one the market.