Why you should order an appraisal

Thousands of people in California purchase, sell or refinance their home each year. A lot of these transactions consist of a simple line item for an appraisal. Almost all lenders still need a local expert because the stakes are very high, even though there are an increasing number of automated home valuation methods that might appear more practical than an appraisal. But is getting a mortgage the only reason to acquire an appraisal? Are there also situations when the services of a licensed, independent real estate professional might be helpful? Of course.


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Let Abandy & Associates Appraisal Services help you dispute your tax assessment in San Bernardino County

If you reside in an area where the value of property has depreciated, it's possible you're paying too much in property taxes. An appraisal from Abandy & Associates Appraisal Services is your best evidence when building your case. At Abandy & Associates Appraisal Services,we can assist you in appealing your tax assessment.

How can you do away with PMI to lower your mortgage payment?

Private Mortgage Insurance, or PMI, is an added insurance policy that almost all lenders ask home buyers to purchase when the amount being loaned to the homeowner is more than 80% of the actual value of the real estate. Oftentimes, this additional payment is folded into the monthly mortgage payment and is soon forgotten. This is damaging because PMI is unnecessary when the leftover 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 do away with the PMI installments when the loan-to-value ratio conditions have been met.

If you'd like to get rid of PMI, Abandy & Associates Appraisal Services can give you a statement regarding the value of your home. The expense of the home valuation can usually be recovered in little time because you'll no longer be paying the PMI.

Settling a divorce with less stress

A divorce can be a very daunting ordeal for both parties, and it is often further complicated by the difficult decision of who keeps the house. So both parties are entirely aware of the true market value of their property, it's a good idea to get an appraisal from Abandy & Associates Appraisal Services, regardless of the situation.

If the parties wish to sell the home, they'll have a better idea of what price to set. 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 with Abandy & Associates Appraisal ServicesSettling an estate

Losing a loved one is a painful 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 highest degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).

Unlike wealthier individuals, most Americans don't have dedicated estate planners or executors to handle these affairs. 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 significant importance to ensuring disputing parties leave knowing they've received an honest deal.

Let Abandy & Associates Appraisal Services assist you in relocating to or from San Bernardino County

Moving due to a job change can be a real pain. We know where you're coming from. We take great care in establishing an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide feedback on the positive features of their property, as well as information about any new sales or listings in their neighborhood that they want considered during our detailed process.

Sell your home quickly at the right price with an appraisal from Abandy & Associates Appraisal Services

Whether you want to sell your home on your own or use the assistance of a real estate agent, a professional appraisal can help you make a better educated decision when determining your asking price. An appraiser has no vested interest in what price the house sells for, which is different than the interest of real estate agents. The price we charge isn't contingent upon the value we come up with, but rather they are calculated on our efforts to finish the appraisal.

On a daily basis, we analyze the difference in value things like an additional bathroom or a kitchen remodel can make. And we're experts in knowing how long properties are on the market. So, getting a professional appraisal is a reliable 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 too long, costing you time and money.