Higdon & Associates does appraisals for numerous purposesYear after year, thousands of people in California purchase, sell or refinance their home. Most of these transactions include a simple line item for an appraisal. The majority of lenders still want a local expert because the stakes are incredibly high, even though there are a developing number of automated home valuation methods that might appear more practical than an appraisal. But is obtaining a mortgage the only reason to acquire an appraisal? Are there other instances when the services of a licensed, independent real estate professional might be beneficial? Of course there are.
Let us help you appeal your tax assessment in Contra Costa CountyIf you live in an area where the value of property has declined, it's possible you're paying too much in property taxes. An appraisal from Higdon & Associates is your best evidence when building your case. At Higdon & Associates,we can assist you in appealing your tax assessment.
Let Higdon & Associates help you get rid of PMI to lower your mortgage paymentPrivate Mortgage Insurance, or PMI, is an extra insurance policy that almost all lenders ask home buyers to buy when the amount being loaned to the homebuyer is more than 80% of the actual value of the real estate. This additional payment is often folded into the monthly mortgage payment and is promptly forgotten. This is unfavorable because PMI becomes unnecessary when the remainder of the loan - whether through market appreciation or principal pay down - falls below the 80% mark. In fact, the Homeowners Protection Act (HPA) of 1998 was approved by the United States Congress requiring lenders to remove the PMI payments on most mortgages when the balance is paid down to 78% of the original value.
Higdon & Associates will provide you with a statement regarding the value of your home, and the expense of the home valuation can generally be recovered in little time because you'll no longer be paying the PMI.
An appraisal from Higdon & Associates will help you settle a divorce with less stressA divorce can be an especially daunting event for both parties, and it is often more complicated by the strenuous decision of who maintains the house. So both parties are fully aware of the true market value of their home, it's a good idea to get an appraisal from Higdon & Associates, regardless of the circumstances.
If the parties need to sell the home, they'll have a clearer picture of what price to set. And if a "buyout" is the chosen option, both parties will feel like they've received a fair assessment.
Settling an estate with peace of mindThe 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. 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).
Many homeowners don't have dedicated estate planners or executors to handle these affairs. And seeing that a home or other property often makes up an uneven share of the total estate value, knowing the certain value of the real estate at hand is of essential importance to ensuring disputing parties leave knowing they've received an honest deal.
Let Higdon & Associates assist you in relocating to or from Contra Costa CountyMoving due to a job change can be a more than just an inconvenience. We know where you're coming from. That being said, we take great care in setting up a convenient appointment time for the appraisal inspection. During our intensive process, we encourage employees that are moving to provide feedback on the positive attributes of their property, as well as information about any new sales or listings in their neighborhood that they want considered.
Sell your home quickly at the right price with an appraisal from Higdon & AssociatesWhether you want to sell your home on your own or with the help of a real estate agent, a professional appraisal can help you make a better educated decision when determining your asking price. With much different interests than a real estate agent, an appraiser has no vested interest in what amount the house sells for. Our fees depend on our efforts to complete the appraisal report and not a percentage of the sales price.
On a daily basis, we analyze the difference in value things like an additional bathroom or a kitchen remodel can make. And we know how long homes stay on the market. So, getting a professional appraisal is a reliable way to determine what improvements will add value and what an applicable sales price is for your home so you don't come up short or have your house on the market for an extended amount of time.