Ordering an appraisal from Capitol Appraisal Service

To many, an appraisal just looks like one more thing in the long list of items for a home purchase or refinance. Almost all lenders still want a local expert because the stakes are so high, even though there are a growing number of automated home valuation methods that might seem more practical than an appraisal. You might believe that securing a mortgage is the only reason to acquire an appraisal, but there are other cases when the services of a licensed, independent real estate professional could come in handy.

For real estate appraisals in FOLSOM and Sacramento County, it's easiest when your order online from Capitol Appraisal Service, just click here.

Appeal your tax assessment in Sacramento County

If you live in an area where the value of property has declined, it's possible you're paying too much in property taxes. When building your case, an appraisal from Capitol Appraisal Service is your best evidence. At Capitol Appraisal Service, we're capable of assisting you in appealing your tax assessment.

Let Capitol Appraisal Service assist you in lowering your mortgage payment

Private Mortgage Insurance, or PMI, is an extra insurance policy that many lenders ask buyers to buy when the amount being loaned to the homeowner is more than 80% of the actual value of the property. Most often, this extra payment is bundled into the monthly mortgage payment and is quickly forgotten. PMI isn't required when the leftover balance of the loan - whether through market appreciation or principal pay down - goes below the 80% mark, making this very unfortunate. In fact, the United States Congress implemented a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to remove the PMI payments when the loan-to-value ratio conditions have been met.

If you'd like to eliminate PMI, Capitol Appraisal Service will produce a statement regarding the value of your home. The price you paid for the home valuation can often be regained in little time because you'll no longer be paying the PMI.

Settling a divorce with less stress

A divorce can be an especially daunting experience for both parties, and it is often even more complicated by the hard decision of who keeps the property. It's a good idea to order an appraisal from Capitol Appraisal Service so both parties are entirely aware of the true market value of their house, regardless of the circumstances.

The parties will have a better 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 assessment.

Accurate and fair estate liquidation with Capitol Appraisal ServiceSettling an estate

Losing a loved one is a difficult 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. 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 affairs, unlike wealthier individuals. And seeing that a home or other property often makes up a disproportionate share of the total estate value, knowing the precise value of the real estate at hand is of vital importance to ensuring disputing parties walk away knowing they've gotten an honest deal.

Let Capitol Appraisal Service help you with relocating to or from Sacramento County

We are aware of the stress involved with an employee relocation. That being said, we take great care in establishing a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide input on the positive aspects of their property, as well as information about any recent sales or listings in their area that they want considered during our thorough process.

Don't sell out for too little or keep your home on the market too long.

Whether you decide to sell your home on your own or with the help of a real estate agent, a professional appraisal can help you make a more informed decision when determining your selling price. An appraiser has no vested interest in what amount the house sells for, which is different than the interest of real estate agents. Our fees aren't contingent upon the value opinion we render, but rather they are based on our efforts to finish the appraisal.

On a daily basis, we examine the difference in value things like an extra bathroom or a kitchen remodel can make. And we're experts in knowing how long houses stay on the market. So, 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 too long, costing you time and money.