Why you should hire an appraiser

To many, an appraisal just looks like one more thing in the long list of items for a mortgage or refinance. The majority of lenders still want a local expert because the stakes are incredibly high, even though there are a growing number of automated home valuation methods that may appear more cost-effective than an appraisal. You might assume that obtaining a mortgage is the only basis for getting an appraisal, but there are additional cases when the services of a licensed, independent real estate professional might be beneficial.


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Let Piscitelli Appraisal Service help you appeal your tax assessment in Ventura County

It's probable you're paying too much in property taxes if you reside in an area where property values have depreciated. Ad Valorem taxes are determined by a past assessment of your home, so if prices 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 Piscitelli Appraisal Service is your best evidence. At Piscitelli Appraisal Service, we're qualified to assist you in disputing your tax assessment.

How can you get rid of PMI to lower your mortgage payment?

When the amount being loaned to the home owner is more than 80% of the actual value of the property, many lenders ask home buyers to take out an additional insurance policy. That policy is Private Mortgage Insurance, or PMI. Oftentimes, this additional 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 - falls below the 80% level, making this very unfavorable. In fact, the Homeowners Protection Act (HPA) of 1998 was approved by the United States Congress requiring lenders to remove the PMI installments when the balance is paid down to 78% of the original value.

If you'd like to eliminate PMI, Piscitelli Appraisal Service will provide you with a statement regarding the value of your home. The price you paid for the appraisal can usually be offset in just a few months because you'll no longer be paying the PMI.

Divorce settlement with less stress

A divorce can be a very traumatic ordeal for both parties, and it is often more complicated by the troublesome decision of who maintains the property. So both parties are entirely aware of the true market value of their property, it's a good idea to order an appraisal from Piscitelli Appraisal Service, regardless of the situation.

The parties will have a a good idea of what price to set, if they wish to sell the home. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've gotten a fair assessment.

Trustworthy estate liquidation

The loss of a loved one is a difficult time in life, and settling an estate from a death, or probate, often requires 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, guaranteeing the utmost degree of discretion.

Most Americans don't have dedicated estate planners or executors to manage these issues, unlike wealthy individuals. A home or other property often makes up a disproportionate share of the total estate value, so knowing 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.

Let Piscitelli Appraisal Service help you with relocating to or from Ventura County

We are aware of the stress involved with an employee relocation. That being said, we take great care in organizing an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide feedback on the positive aspects of their property, along with information regarding any current sales or listings in their area that they want considered during our detailed process.

Sell your home quickly at the right price with an appraisal from Piscitelli Appraisal Service

Whether you decide to sell your home on your own or with the help of a real estate agent, a professional appraisal will help you make a better educated 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. The price we charge isn't a percentage of the sales price, but rather they are based on our efforts to complete the appraisal.

We determine the difference in value items like an extra bathroom or a kitchen remodel can make on a daily basis. Obtaining 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 an unnecessarily long time - because we're experts in knowing how long homes are one the market.