There are lots of reasons consumers call on Graham EnterprisesYear after year, thousands of people in California purchase, sell or refinance their home. Many of these transactions include a simple line item for an appraisal. And while there are an increasing number of automated home valuation systems that might appear to be less expensive than an appraisal, nearly all lenders still call in a local expert because the stakes are incredibly high. But is getting a mortgage the only basis for getting an appraisal? Are there other times when the services of a licensed, independent real estate professional could be beneficial? You bet.
Dispute your tax assessment in San Bernardino CountyIf 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 Graham Enterprises is your best evidence when building your case. At Graham Enterprises,we can assist you in disputing your tax assessment.
Graham Enterprises can help you do away with PMI to lower your mortgage paymentPrivate Mortgage Insurance, or PMI, is an extra insurance plan that most lenders ask buyers to buy when the amount being loaned to the buyer is more than 80% of the actual value of the home. This extra payment is often lumped into the monthly mortgage payment and is soon forgotten. PMI isn't necessary when the leftover balance of the loan - whether through market appreciation or principal pay down - decreases below the 80% mark, making this very unfortunate. In fact, the Homeowners Protection Act (HPA) of 1998 was passed by the United States Congress that requires lenders to eliminate the PMI installments when the balance is paid down to 78% of the original value.
Graham Enterprises will give you a statement regarding the value of your home, and the price you paid for the home valuation can usually be recovered in a short amount of time because you'll no longer be paying the PMI.
Settling a divorce with less stress with an appraisal from Graham EnterprisesA divorce is often complicated by the difficult decision of who gets the property, and it can be a very heartbreaking experience for both parties. Regardless of the circumstances, it's wise to order an appraisal from Graham Enterprises so both parties are entirely 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 on the flip side, if a "buyout" is the chosen option, both parties will feel like they've gotten a fair evaluation.
Fair and accurate estate liquidation with help from Graham EnterprisesSettling an estateThe death of 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 real estate involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, ensuring the maximum degree of discretion.
Unlike many wealthy individuals, most Americans don't have dedicated estate planners or executors to manage these matters. A home or other property often makes up an unequal share of the total estate value, so understanding the true value of the real estate at hand is of vital importance to ensuring disputing parties walk away knowing they've gotten an honest deal.
Graham Enterprises can assist you in relocating to or from San Bernardino CountyEmployee relocation can be a stressful event. We know where you're coming from! That's why we take great care in establishing an accommodating appointment time for the appraisal inspection. During our detailed process, we encourage relocating employees to provide input on the positive attributes of their property, along with information regarding any current sales or listings in their area that they want considered.
Let Graham Enterprises assist you in selling your home quickly at the right priceA professional appraisal will help you make a better educated decision when determining your asking price, whether you want to sell your home on your own or with the help of a real estate agent. An appraiser has no vested interest in what price the house sells for, unlike real estate agents. Our fees aren't a percentage of the sales price, but rather they are calculated on our efforts to complete the appraisal.
On a daily basis, we examine the difference in value things like an extra bathroom or a kitchen remodel can make. Getting a professional appraisal is a trusted way to determine 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.