Let Piscitelli Appraisal Service take care of your appraisal needs
To many, an appraisal just looks like another fee in the long list of items for a mortgage or refinance. The majority of lenders still call for a local expert because the stakes are incredibly high, even though there are a multiplying number of automated home valuation methods that might seem more prudent than an appraisal. Is getting a mortgage the only basis for getting an appraisal? Are there additional times when the services of a certified, independent real estate professional might be helpful? Of course.
Challenge your tax assessment in Ventura County
If you reside in an area where property values have declined, it's possible you're paying too much in property taxes. An appraisal from Piscitelli Appraisal Service is your best evidence when building your case. We can assist you in disputing your tax assessment.
Getting rid of your PMI for mortgage payments
When the amount being loaned to the homebuyeris more than 80% of the actual value of the real estate, almost all lenders ask homeowners to take out this supplemental insurance plan. That policy is Private Mortgage Insurance, or PMI. Very often, this additional payment is bundled into the monthly mortgage payment and is soon forgotten. This is damaging because PMI isn't required when the remaining balance 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 invoked by the United States Congress requiring lenders to eliminate the PMI installments when the loan-to-value ratio conditions have been met.
If you'd like to do away with PMI, Piscitelli Appraisal Service can give you a statement regarding the value of your home. The expense of the appraisal can generally be regained in a short amount of time because you'll no longer be paying the PMI.
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Divorce settlement with fewer hang-ups
A divorce is an especially horrible experience for the parties involved, and it is often even more complicated by the burdensome decision of who maintains the property. So both parties are completely aware of the true market value of their house, it's a good idea to get an appraisal from Piscitelli Appraisal Service, regardless of the situation.
If the parties want to sell the home, they'll have a a good idea of what price to set. And if a "buyout" is the chosen option, both parties will feel like they've gotten a fair evaluation.
Ascertain a fair and accurate valuation for 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 Fair Market Value for the real estate involved. We ensure the fullest degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).
Unlike wealthy individuals, most Americans don't have dedicated estate planners or executors to take care of these matters. A home or other property often makes up an unequal share of the total estate value, so understanding the true worth of the real estate at hand is of vital importance to ensuring disputing parties leave knowing they've received an honest deal.
Move to or from Ventura County through an employee relocation program
Employee relocation is a stressful event, and we understand. We take great care in setting up an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide input on the positive features of their property, along with information about any current sales or listings in their area that they want considered during our detailed inspection.
Sell your home quickly — at an accurate price
Whether you decide to sell your home on your own or use the assistance of a real estate agent, a professional appraisal will help you make a more informed decision regarding your asking price. Apart from a real estate agent, an appraiser has no vested interest in what price the house sells for. Our fees aren't a percentage of the sales price, but rather they depend on our efforts to finish the appraisal report.
On a daily basis, we analyze the difference in value items like an extra bathroom or a kitchen remodel can make. And we're experts in knowing how long housesare on the market. So, seeking 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.