There are lots of reasons people call on J.P. Cubas Appraisal Services/AppraisalZoom.com

To many, an appraisal just looks like a line item 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 so high, even though there are a multiplying number of automated home valuation methods that may appear cheaper than an appraisal. But is securing a mortgage the only reason to acquire an appraisal? Are there other times when the services of a licensed, independent real estate professional could come in handy? You bet.


	When you're planning on any transaction where the value of your property is of importance, you should contact J.P. Cubas Appraisal Services/AppraisalZoom.com. Just click here

Let J.P. Cubas Appraisal Services/AppraisalZoom.com help you challenge your tax assessment in Los Angeles County

It's probable you're paying too much in property taxes if you reside in an area where property values have declined. Property taxes are based upon a previous assessment of your real estate, so if prices have declined in your neighborhood, you can challenge your assessment and save money. When building your case, an appraisal from J.P. Cubas Appraisal Services/AppraisalZoom.com is your best evidence. At J.P. Cubas Appraisal Services/AppraisalZoom.com,we can assist you in appealing your tax assessment.

PMI removal to lower your mortgage payment

Private Mortgage Insurance, or PMI, is an additional insurance policy that almost all lenders ask buyers to buy when the amount being loaned to the home buyer is more than 80% of the actual value of the home. Seeing that added payment is usually lumped into the monthly mortgage payment, it is often forgotten. This is bad because PMI isn't necessary when the remainder of the loan - whether through market appreciation or principal pay down - dips below the 80% level. In fact, the United States Congress invoked a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to eliminate the PMI installments when the loan-to-value ratio conditions have been met.

If you'd like to eliminate PMI, J.P. Cubas Appraisal Services/AppraisalZoom.com will produce a statement regarding the value of your home. The cost of the home valuation can usually be regained in a short amount of time because you'll no longer be paying the PMI.

Settling a divorce with less stress

A divorce is often complicated by the strenuous decision of who keeps the house, and it can be a particularly traumatic event for both parties. Regardless of the situation, it's wise to get an appraisal from J.P. Cubas Appraisal Services/AppraisalZoom.com so both parties are fully aware of the true market value of their house.

If the parties need to sell the home, they'll have a better idea of what price to set. And if a "buyout" is the chosen option, both parties will feel like they've received a fair evaluation.

Settling an estate with peace of mind

The loss of a loved one is a difficult time in life, and settling an estate from a death, or probate, often calls for an appraisal to establish Market Value for the real estate involved. We ensure the highest 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 a disproportionate share of the total estate value, so understanding the true value of the real estate at hand is of significant importance to ensuring disputing parties walk away knowing they've gotten an honest deal.

Let J.P. Cubas Appraisal Services/AppraisalZoom.com help you with relocating to or from Los Angeles County

We know the headaches associated with an employee relocation. That being said, we take great care in setting up a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide feedback on the positive characteristics of their property, along with information regarding any new sales or listings in their area that they want considered during our detailed process.

Don't sell out short or keep your home on the market too long.

Whether you want 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, unlike real estate agents. The price we charge isn't contingent upon the value we come up with, but rather they depend on our efforts to finish the appraisal.

On a daily basis, we analyze the difference in value items like an additional bathroom or a kitchen remodel can make. 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 properties stay on the market.