Getting an appraisal from James Evans

To a lot of us, an appraisal just looks like a line item in the long list of items for a mortgage or refinance. While there are a multiplying number of automated home valuation systems that may appear cheaper than an appraisal, the majority of lenders still call for a local expert because the stakes are very high. You might believe that getting a mortgage is the only reason you should get an appraisal, but there are other times when the services of a certified, independent real estate professional might be beneficial.


	For real estate appraisals in Orange County, it's easiest when your order online from James Evans, just click here.

Dispute your tax assessment in Orange County

It's likely you're paying too much in property taxes if you reside in an area where property values have depreciated. Ad Valorem taxes are based upon a previous assessment of your home, so if prices are less than what they used to be in your neighborhood, you can appeal your assessment and save money. An appraisal from James Evans is your best evidence when building your case. At James Evans,we can assist you in challenging your tax assessment.

Let James Evans help you do away with PMI to lower your mortgage payment

Private Mortgage Insurance, or PMI, is an extra insurance plan that many lenders ask home buyers to purchase when the amount being loaned to the buyer is more than 80% of the actual value of the home. This extra payment is often folded into the monthly mortgage payment and is promptly forgotten. This is damaging because PMI isn't required when the leftover balance of the loan - whether through market appreciation or principal pay down - dips below the 80% mark. In fact, the United States Congress implemented a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to do away with the PMI payments when the loan-to-value ratio conditions have been met.

If you'd like to get rid of PMI, James Evans can give you a statement regarding the value of your home. The cost of the home valuation can generally be recovered in just a few months because you'll no longer be paying the PMI.

Divorce settlement with less stress

A divorce can be a particularly daunting ordeal for both parties, and it is often more complicated by the difficult decision of who gets the property. So both parties are entirely aware of the true market value of their home, it's a good idea to get an appraisal from James Evans, regardless of the situation.

The parties will have a better 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 gotten a fair assessment.

Fair and accurate estate liquidation

Losing a loved one is a painful 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 maximum 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 manage these issues. And seeing that a home or other property often makes up an unequal share of the total estate value, understanding the absolute value of the real estate at hand is of significant importance to ensuring disputing parties walk away knowing they've gotten a fair deal.

Let James Evans assist you in relocating to or from Orange County

We are aware of 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. During our thorough process, we encourage relocating employees to provide feedback on the positive features of their property, along with information about any current sales or listings in their area that they want considered.

Don't sell out for too little or let your home stay on the market too long.

Whether you decide to sell your home on your own or with the help of a real estate agent, a professional appraisal can 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. The price we charge isn't a percentage of the sales price, but rather they are calculated on our efforts to finish the appraisal.

We examine the difference in value things like an extra bathroom or a kitchen remodel can make on a daily basis. Obtaining 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 are one the market.