Reasons to get an appraisalTo a lot of us, an appraisal is simply one more thing in the long list of items for a home sale or refinance. Almost all lenders still call in a local expert because the stakes are incredibly high, even though there are a growing number of automated home valuation methods that may appear less expensive than an appraisal. You might think that securing a mortgage is the only reason to acquire an appraisal, but there are additional instances when the services of a licensed, independent real estate professional might be helpful. 
Appeal your tax assessment in San Diego CountyIt's quite possible you're paying too much in property taxes if you live in an area where property values have depreciated. Ad Valorem taxes are determined by a past 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. When building your case, an appraisal from us is your best evidence. We can assist you in challenging your tax assessment. PMI removal to reduce your mortgage paymentWhen the amount being loaned to the home owneris more than 80% of the actual value of the property, almost all lenders ask homeowners to buy this added insurance plan. That policy is Private Mortgage Insurance, or PMI. This additional payment is often folded into the monthly mortgage payment and is soon forgotten. This is bad because PMI becomes unnecessary when the remainder of the loan - whether through market appreciation or principal pay down - goes below the 80% mark. In fact, the United States Congress passed a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to do away with the PMI installments when the loan-to-value ratio conditions have been met. If you'd like to do away with PMI, Tim Brown will produce a statement regarding the value of your home. The expense of the home valuation can often be offset in little time because you'll no longer be paying the PMI. Order your appraisal from Tim Brown today Order onlineDivorce settlement with fewer hang-upsA divorce is a very horrible event for the parties involved, and it is often more complicated by the challenging decision of who keeps the house. Regardless of the circumstances, it's a good idea to order an appraisal from Tim Brown so both parties are completely aware of the true market value of their property. If the parties want 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 assessment. Determine a fair and accurate valuation for estate liquidationThe death of a loved one is a painful time in life, and settling an estate from a death, or probate, often entails 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 do not have dedicated estate planners or executors to manage these matters, unlike wealthy individuals. And seeing that a home or other property often makes up a disproportionate share of the total estate value, understanding the true worth of the real estate at hand is of significant importance to ensuring disputing parties leave knowing they've received a fair deal. Move to or from San Diego County through an employee relocation programWe know the headaches involved with an employee relocation. That being said, we take great care in organizing a convenient appointment time for the appraisal inspection. During our thorough inspection, we encourage relocating employees to provide input on the positive characteristics of their property, as well as information about any new sales or listings in their neighborhood that they want considered. Sell your home promptly — at the right priceWhether 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 more informed decision when determining your asking price. Unlike a real estate agent, an appraiser has no vested interest in what amount the house sells for. Our fees rest on our efforts to finish the appraisal report and not a percentage of the sales price. We analyze 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 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 houses are one the market. 
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