Reasons to choose an appraisal from Bowers Real Estate & Appraisal Services

Thousands of people in California purchase, sell or refinance their home each year. Most of these transactions involve a simple line item for an appraisal. Almost all lenders still want a local expert because the stakes are so high, even though there are a developing number of automated home valuation methods that might appear more economical than an appraisal. Is getting a mortgage the only reason you should get an appraisal? Are there more instances when the services of a certified, independent real estate professional could be beneficial? You bet there are.

Let Bowers Real Estate & Appraisal Services assist you in lowering your mortgage payment

Challenge your tax assessment in Los Angeles County

If you live in an area where property values have depreciated, it's possible you're paying too much in property taxes. An appraisal from Bowers Real Estate & Appraisal Services is your best evidence when building your case. We're equipped to assist you in challenging your tax assessment.

Remove PMI to lower your mortgage payment

Private Mortgage Insurance, or PMI, is an added insurance policy that nearly all lenders ask homeowners to buy when the amount being loaned to the homebuyer is more than 80% of the actual value of the home. Seeing that added payment is usually folded into the monthly mortgage payment, it is often forgotten. PMI is unnecessary when the remainder of the loan - whether through market appreciation or principal pay down - decreases below the 80% level, making this very unfortunate. In fact, the Homeowners Protection Act (HPA) of 1998 was invoked by the United States Congress requiring lenders to do away with the PMI payments when the loan-to-value ratio conditions have been met.

Bowers Real Estate & Appraisal Services can provide you with a statement regarding the value of your home, and the cost of the home valuation can usually be regained in just a few months because you'll no longer be paying the PMI.

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Get a fair valuation on a home take make a divorce settlement less stressful

A divorce is often complicated by the challenging decision of who gets the house, and it can be a particularly traumatic ordeal for both parties. Regardless of the circumstances, it's a good idea to get an appraisal from Bowers Real Estate & Appraisal Services so both parties are completely aware of the true market value of their property.

If the parties wish to sell the home, they'll have a clearer picture 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 assessment.

Fair and accurate estate liquidation

The death 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 residential property involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, guaranteeing the fullest degree of discretion.

Unlike many wealthy individuals, most Americans do not have dedicated estate planners or executors to manage these affairs. A home or other property often makes up an unequal share of the total estate value, so knowing the true value of the real estate at hand is of essential importance to ensuring disputing parties leave knowing they've received a fair deal.

Relocate to or from Los Angeles County through an employee relocation program

We are familiar with the stress associated with an employee relocation. That's why we take great care in setting up an accommodating appointment time for the appraisal inspection. During our detailed inspection, we suggest relocating employees to provide remarks on the positive attributes of their property, along with information about any new sales or listings in their area that they want considered.

Sell your home quickly — for the right price

Whether you choose 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 regarding your asking price. An appraiser has no vested interest in what price the house sells for, unlike real estate agents. Our fees aren't related to the sales price, but rather they are based on our efforts to complete the appraisal report.

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 trusted way to decide 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 an unnecessarily long time, because we're experts in knowing how long houses are one the market.

Let Bowers Real Estate & Appraisal Services help you sell your home quickly at the right price