Why obtain an appraisal from Wagaman Appraisals?

To a lot of people, an appraisal is simply a line item in the long list of items for a mortgage or refinance. And even though there are a developing number of automated home valuation methods that might appear more economical than an appraisal, the majority of lenders still want a local expert because the stakes are very high. But is securing a mortgage the only reason to get an appraisal? Are there other times when the services of a certified, independent real estate professional might come in handy? You bet.


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Let Wagaman Appraisals help you challenge your tax assessment in Riverside County

If you reside in an area where property values have depreciated, it's possible you're paying too much in property taxes. An appraisal from Wagaman Appraisals is your best evidence when building your case. At Wagaman Appraisals, we're qualified to assist you in challenging your tax assessment.

Let Wagaman Appraisals help you eliminate PMI to lower your mortgage payment

Private Mortgage Insurance, or PMI, is an added insurance plan that nearly all lenders ask homebuyers to purchase when the amount being loaned to the homeowner is more than 80% of the actual value of the home. Very often, this extra payment is folded into the monthly mortgage payment and is soon forgotten. This is bad because PMI becomes unnecessary when the remaining balance of the loan - whether through market appreciation or principal pay down - falls below the 80% level. In fact, the United States Congress passed a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to remove the PMI installments when the loan-to-value ratio conditions have been met.

Wagaman Appraisals can give you a statement regarding the value of your home, and the cost of the appraisal can usually be regained in just a few months because you'll no longer be paying the PMI.

Settling a divorce with less stress

A divorce is a very daunting experience for the parties involved, and it is often more complicated by the hard decision of who maintains the house. It's a good idea to get an appraisal from Wagaman Appraisals so both parties are entirely aware of the true market value of their property, regardless of the circumstances.

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

Settling an estate with peace of mind

The death of a loved one is a hard time in life, and settling an estate from a death, or probate, often requires 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 wealthier individuals, most Americans don't have dedicated estate planners or executors to take care of these issues. And seeing that a home or other property often makes up an unequal share of the total estate value, understanding the precise value of the real estate at hand is of essential importance to ensuring disputing parties walk away knowing they've received a fair deal.

Let Wagaman Appraisals assist you in relocating to or from Riverside County

We understand the stress involved with an employee relocation. We take great care in establishing a convenient appointment time for the appraisal inspection. During our intensive process, we recommend relocating employees to provide feedback on the positive aspects of their property, along with information about any new sales or listings in their area that they want considered.

Sell your home quickly at the right price

A professional appraisal will help you make a better educated decision regarding your asking price, whether you choose to sell your home on your own or use the assistance of a real estate agent. With much different interests than 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.

We determine the difference in value items like an additional bathroom or a kitchen remodel can make on a daily basis. Seeking 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 stay on the market.