There are lots of reasons the public calls on Cesare's Appraisal Service

Thousands of people in California buy, sell or refinance their home each month. A lot of these transactions involve a simple line item for an appraisal. Most lenders still call in a local expert because the stakes are so high, even though there are a budding number of automated home valuation methods that might seem more prudent than an appraisal. But is securing a mortgage the only basis for getting an appraisal? Are there more instances when the services of a licensed, independent real estate professional might come in handy? You bet there are.


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Challenge your tax assessment in Kern County

It's likely 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 home, so if prices have declined in your neighborhood, you can challenge your assessment and save money. An appraisal from Cesare's Appraisal Service is your best evidence when building your case. At Cesare's Appraisal Service,we can assist you in disputing your tax assessment.

PMI removal to lower your mortgage payment

Private Mortgage Insurance, or PMI, is an added insurance plan that almost all lenders ask homebuyers to purchase when the amount being loaned to the home owner is more than 80% of the actual value of the home. This additional payment is often bundled into the monthly mortgage payment and is promptly forgotten. PMI isn't required when the leftover balance of the loan - whether through market appreciation or principal pay down - dips below the 80% level, making this very unfortunate. In fact, the United States Congress implemented a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to dismiss the PMI payments when the loan-to-value ratio conditions have been met.

Cesare's Appraisal Service can give you a statement regarding the value of your home, and the expense of the appraisal can usually be recovered in a short amount of time because you'll no longer be paying the PMI.

An appraisal from Cesare's Appraisal Service will help you settle a divorce with less stress

A divorce is often complicated by the challenging decision of who keeps the property, and it can be an especially heartbreaking ordeal for both parties. It's a good idea to get an appraisal from Cesare's Appraisal Service so both parties are completely aware of the true market value of their property, regardless of the circumstances.

The parties will have a clearer picture 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 evaluation.

Accurate and fair estate liquidation with Cesare's Appraisal ServiceSettling an estate

The loss of a loved one is a painful time in life, and settling an estate from a death, or probate, often requires an appraisal to establish Market Value for the residential property involved. We ensure the fullest 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 handle these matters, unlike wealthier individuals. And since 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 an honest deal.

Let Cesare's Appraisal Service help you with relocating to or from Kern County

Moving due to a job change can be a more than just an inconvenience. We know where you're coming from! We take great care in establishing a convenient 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 current sales or listings in their neighborhood that they want considered during our detailed process.

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

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 when determining your asking price. Unlike a real estate agent, an appraiser has no vested interest in what price the house sells for. Our fees aren't contingent upon the value we come up with, but rather they are based on our efforts to complete the appraisal.

On a daily basis, we analyze the difference in value items like an extra bathroom or a kitchen remodel can make. And we're experts in knowing how long properties stay on the market. So, getting a professional appraisal is a reliable way to determine 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 for an extended amount of time.