Ordering an appraisal from M & C Appraisals

Thousands of people in California purchase, sell or refinance their home every month. A lot of these transactions have a simple line item for an appraisal. And even though there are a budding number of automated home valuation systems that might appear to be less expensive than an appraisal, the majority of lenders still want a local expert because the stakes are incredibly high. You might believe that securing a mortgage is the only reason to acquire an appraisal, but there are other instances when the services of a licensed, independent real estate professional might be helpful.


	For real estate appraisals in San Jose and Santa Clara County, it's easiest when your order online from M & C Appraisals, just click here.

Let M & C Appraisals help you dispute your tax assessment in Santa Clara County

It's likely you're paying too much in property taxes if you reside in an area where property values have declined. Ad Valorem taxes are determined by a previous assessment of your house, so if values are less than what they used to be in your neighborhood, you can challenge your assessment and save money. An appraisal from M & C Appraisals is your best evidence when building your case. We're equipped to assist you in appealing your tax assessment.

Eliminating PMI will lower your mortgage payment

Private Mortgage Insurance, or PMI, is an added insurance policy that almost all lenders ask homebuyers to purchase when the amount being loaned to the homeowner is more than 80% of the actual value of the real estate. This additional payment is often bundled into the monthly mortgage payment and is soon forgotten. This is bad because PMI isn't necessary when the remaining balance of the loan - whether through market appreciation or principal pay down - dips below the 80% mark. In fact, the Homeowners Protection Act (HPA) of 1998 was implemented by the United States Congress requiring lenders to dismiss the PMI installments when the balance is paid down to 78% of the original value.

M & C Appraisals will give you a statement regarding the value of your home, and the price you paid for the home valuation can usually be offset in a short amount of time because you'll no longer be paying the PMI.

Divorce settlement with less stress

A divorce is an especially heartbreaking event for the parties involved, and it is often even more complicated by the strenuous decision of who keeps the home. So both parties are completely aware of the true market value of their house, it's a good idea to get an appraisal from M & C Appraisals, regardless of the circumstances.

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

Settling an estate with peace of mind

Losing a loved one is a hard time in life, and settling an estate from a death, or probate, often entails an appraisal to establish Market Value for the real estate involved. We ensure the maximum degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).

Most Americans don't have dedicated estate planners or executors to manage these matters, unlike wealthy individuals. And seeing that a home or other property often makes up a disproportionate share of the total estate value, understanding the certain value of the real estate at hand is of significant importance to ensuring disputing parties leave knowing they've received an honest deal.

M & C Appraisals can assist you in relocating to or from Santa Clara County

We are familiar with the headaches associated with an employee relocation. That being said, we take great care in establishing an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide input on the positive attributes of their property, along with information about any recent sales or listings in their area that they want considered during our intensive process.

Sell your home quickly at the right price

Whether you choose to sell your home on your own or use the assistance of a real estate agent, a professional appraisal will help you make a better educated decision regarding 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. Our fees are calculated on our efforts to perform the appraisal report and and aren't related to the sales price.

On a daily basis, we analyze the difference in value things like an additional bathroom or a kitchen remodel can make. Obtaining a professional appraisal is a trusted way to determine 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 properties are one the market.