Reasons to get an appraisal from Christy Lamoure

Each year, thousands of people in California purchase, sell or refinance their home. A lot of these transactions involve a simple line item for an appraisal. Even though there are a budding number of automated home valuation methods that may seem less expensive than an appraisal, most lenders still want a local expert because the stakes are so high. You might assume that securing a mortgage is the only reason you should get an appraisal, but there are additional situations when the services of a certified, independent real estate professional could be helpful.


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Appeal your tax assessment in Imperial County

If you live in an area where the value of property has declined, it's possible you're paying too much in property taxes. An appraisal from Christy Lamoure is your best evidence when building your case. At Christy Lamoure, we're capable of assisting you in challenging your tax assessment.

Let Christy Lamoure help you eliminate PMI to lower your mortgage payment

Private Mortgage Insurance, or PMI, is an extra insurance policy that almost all lenders ask homeowners to buy when the amount being loaned to the home owner is more than 80% of the actual value of the real estate. Very often, this additional payment is folded into the monthly mortgage payment and is promptly forgotten. This is unfavorable because PMI isn't required when the leftover balance of the loan - whether through market appreciation or principal pay down - decreases below the 80% level. In fact, the Homeowners Protection Act (HPA) of 1998 was implemented by the United States Congress requiring lenders to remove the PMI payments when the balance is paid down to 78% of the original value.

Christy Lamoure will produce a statement regarding the value of your home, and the expense of the appraisal can usually be offset in little time because you'll no longer be paying the PMI.

Settling a divorce with less stress

A divorce is an especially daunting experience for the parties involved, and it is often further complicated by the hard decision of who keeps the property. So both parties are completely aware of the true market value of their home, it's a good idea to order an appraisal from Christy Lamoure, regardless of the situation.

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

Accurate and fair estate liquidation with help from Christy LamoureSettling an estate

The death of a loved one is a difficult time in life, and settling an estate from a death, or probate, often entails an appraisal to establish Market Value for the residential property involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, ensuring the fullest degree of discretion.

Most Americans do not have dedicated estate planners or executors to manage these affairs, 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 gotten a fair deal.

Let Christy Lamoure help you with relocating to or from Imperial County

Moving due to a job change can be a real pain, and we understand. We take great care in organizing a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide input on the positive features of their property, as well as information regarding any recent sales or listings in their area that they want considered during our thorough process.

Selling your home quickly at the right price

Whether you decide 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, which is different than the interest of real estate agents. Our fees are calculated on our efforts to complete the appraisal report and and aren't related to the sales price.

We analyze the difference in value things like an extra bathroom or a kitchen remodel can make on a daily basis. Seeking a professional appraisal is a trusted 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 houses are one the market.