Why you should get an appraisal

Thousands of people in California purchase, sell or refinance their home each year. Most of these transactions have a simple line item for an appraisal. Most lenders still call for a local expert because the stakes are very high, even though there are a multiplying number of automated home valuation processes that might appear less expensive than an appraisal. But is getting a mortgage the only reason to get an appraisal? Are there more situations when the services of a licensed, independent real estate professional could be helpful? Absolutely.


	For real estate appraisals in Folsom and Sacramento County, it's easiest when your order online from Ayhan Diker, just click here.

Appeal your tax assessment in Sacramento County

If you reside in an area where property values have depreciated, it's possible you're paying too much in property taxes. An appraisal from Ayhan Diker is your best evidence when building your case. At Ayhan Diker, we're capable of assisting you in challenging your tax assessment.

Ayhan Diker can help you do away with PMI to lower your mortgage payment

When the amount being loaned to the homebuyer is more than 80% of the actual value of the home, almost all lenders ask home buyers to buy an additional insurance policy. That policy is Private Mortgage Insurance, or PMI. This extra payment is often folded into the monthly mortgage payment and is soon forgotten. PMI becomes unnecessary when the remainder of the loan - whether through market appreciation or principal pay down - dips below the 80% mark, making this very unfavorable. In fact, the Homeowners Protection Act (HPA) of 1998 was implemented by the United States Congress that requires lenders to dismiss the PMI payments when the balance is paid down to 78% of the original value.

Ayhan Diker will produce a statement regarding the value of your home, and the expense of the appraisal can generally be offset in just a few months because you'll no longer be paying the PMI.

Settling a divorce with less stress with an appraisal from Ayhan Diker

A divorce is often complicated by the troublesome decision of who keeps the home, and it can be a very heartbreaking ordeal for both parties. It's a good idea to get an appraisal from Ayhan Diker so both parties are fully aware of the true market value of their house, regardless of the situation.

The parties will have a a good idea of what price to set, if they want 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.

Fair and accurate estate liquidation

The death 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 residential property involved. We guarantee 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 wealthy individuals. And since a home or other property often makes up an uneven share of the total estate value, knowing the absolute value of the real estate at hand is of vital importance to ensuring disputing parties leave knowing they've received an honest deal.

Relocating to or from Sacramento County

We are familiar with the headaches associated with an employee relocation. That being said, we take great care in setting up an accommodating appointment time for the appraisal inspection. During our detailed process, we recommend employees that are moving to provide input on the positive characteristics of their property, as well as information regarding any recent sales or listings in their neighborhood that they want considered.

Selling your home quickly at the right price with an appraisal from Ayhan Diker

A professional appraisal will help you make a better educated decision when determining your asking price, whether you decide to sell your home on your own or with the help of a real estate agent. An appraiser has no vested interest in what amount the house sells for, unlike real estate agents. The price we charge isn't a percentage of the sales price, but rather they are calculated on our efforts to complete the appraisal.

We determine the difference in value items like an extra bathroom or a kitchen remodel can make on a daily basis. And we're experts in knowing how long houses are on the market. So, seeking a professional appraisal is a reliable way to determine what improvements will add value and what an applicable sales price is for your home so you don't come up short or have your house on the market an unnecessarily long time.