Getting an appraisal from Cullinan Appraisal & RealtyTo many, an appraisal just looks like another cost in the long list of items for a mortgage or refinance. Nearly all lenders still call for a local expert because the stakes are very high, even though there are an increasing number of automated home valuation processes that might appear more economical than an appraisal. You might think that getting a mortgage is the only reason you should get an appraisal, but there are other situations when the services of a certified, independent real estate professional might be beneficial.
Let Cullinan Appraisal & Realty help you dispute your tax assessment in San Benito CountyIf you reside in an area where property values have depreciated, it's possible you're paying too much in property taxes. An appraisal from Cullinan Appraisal & Realty is your best evidence when building your case. At Cullinan Appraisal & Realty, we're capable of assisting you in challenging your tax assessment.
Let Cullinan Appraisal & Realty help you get rid of PMI to lower your mortgage paymentPrivate Mortgage Insurance, or PMI, is an additional insurance policy that many lenders ask buyers to purchase when the amount being loaned to the home buyer is more than 80% of the actual value of the real estate. This additional payment is often lumped into the monthly mortgage payment and is soon forgotten. This is damaging because PMI isn't necessary when the remainder of the loan - whether through market appreciation or principal pay down - decreases 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.
Cullinan Appraisal & Realty will produce a statement regarding the value of your home, and the expense of the appraisal can often be recovered in just a few months because you'll no longer be paying the PMI.
Divorce settlement with less stressA divorce is a very daunting event for the parties involved, and it is often further complicated by the challenging decision of who maintains the house. It's a good idea to order an appraisal from Cullinan Appraisal & Realty so both parties are completely aware of the true market value of their house, regardless of the circumstances.
The parties will have a a good idea of what price to set, if they need to sell the home. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've received a fair evaluation.
Fair and accurate estate liquidation with Cullinan Appraisal & RealtySettling an estateLosing 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 residential property involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, ensuring the utmost degree of discretion.
Most Americans do not have dedicated estate planners or executors to manage these issues, unlike wealthy individuals. A home or other property often makes up an uneven share of the total estate value, so understanding 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.
Cullinan Appraisal & Realty can assist you in relocating to or from San Benito CountyEmployee relocation can be a real pain. 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 intensive process, we suggest relocating employees to provide remarks on the positive features of their property, along with information regarding any recent sales or listings in their area that they want considered.
Sell your home quickly at the right price with an appraisal from Cullinan Appraisal & RealtyWhether 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 selling price. With much different interests than a real estate agent, an appraiser has no vested interest in what price the house sells for. The price we charge isn't a percentage of the sales price, but rather they are based 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. 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 an unnecessarily long time - because we're experts in knowing how long houses are one the market.