Why get an appraisal from Clark Lunde & Associates?

Each year, thousands of people in California purchase, sell or refinance their home. Many of these transactions consist of a simple line item for an appraisal. And while there are a multiplying number of automated home valuation processes that may appear to be more practical than an appraisal, almost all lenders still call for a local expert because the stakes are very high. But is getting a mortgage the only reason to acquire an appraisal? Are there more instances when the services of a licensed, independent real estate professional might be helpful? You bet there are.

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Dispute your tax assessment in Riverside County

If you live in an area where property values have depreciated, it's possible you're paying too much in property taxes. An appraisal from Clark Lunde & Associates is your best evidence when building your case. We're qualified to assist you in challenging your tax assessment.

Clark Lunde & Associates can help you get rid of PMI to lower your mortgage payment

When the amount being loaned to the home buyer is more than 80% of the actual value of the property, most lenders ask buyers to take out an extra insurance plan. That policy is Private Mortgage Insurance, or PMI. More often than not, this additional payment is lumped into the monthly mortgage payment and is quickly forgotten. This is unfavorable because PMI is unnecessary when the leftover balance of the loan - whether through market appreciation or principal pay down - falls below the 80% mark. 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.

Clark Lunde & Associates will give you a statement regarding the value of your home, and the expense of the appraisal can often be recovered in little time because you'll no longer be paying the PMI.

Divorce settlement with less stress

A divorce is often complicated by the hard decision of who gets the home, and it can be a very heartbreaking event for both parties. It's a good idea to get an appraisal from Clark Lunde & Associates so both parties are completely aware of the true market value of their home, regardless of the circumstances.

The parties will have a clearer picture 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 received a fair evaluation.

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 calls for 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, guaranteeing the utmost degree of discretion.

Unlike many wealthy individuals, most Americans do not have dedicated estate planners or executors to manage these issues. A home or other property often makes up an uneven share of the total estate value, so knowing the true value of the real estate at hand is of essential importance to ensuring disputing parties leave knowing they've gotten an honest deal.

Clark Lunde & Associates can help you with relocating to or from Riverside County

We are familiar with the stress associated with an employee relocation. That's why we take great care in establishing a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide feedback on the positive attributes of their property, along with information about any current sales or listings in their area that they want considered during our thorough process.

Let Clark Lunde & Associates assist you in selling 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 can help you make a more informed decision when determining your asking price. Separate from a real estate agent, an appraiser has no vested interest in what price the house sells for. Our fees depend 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 reliable way to decide what improvements will add value and what an appropriate 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 stay on the market.