Why you should hire an appraiser

To a lot of people, an appraisal is simply one more thing in the long list of items for a home purchase or refinance. Practically all lenders still call for a local expert because the stakes are very high, even though there are an increasing number of automated home valuation methods that may appear cheaper than an appraisal. You might assume that obtaining a mortgage is the only basis for getting an appraisal, but there are other instances when the services of a licensed, independent real estate professional might be helpful.


	If you're planning on any transaction where the value of your property is a factor, contact Bunny Garcia Appraisals. Just click here.

Let Bunny Garcia Appraisals help you challenge your tax assessment in Columbia County

It's possible you're paying too much in property taxes if you reside in an area where property values have depreciated. Property taxes are based upon a past assessment of your real estate, so if values are less than what they used to be in your neighborhood, you can appeal your assessment and save money. When building your case, an appraisal from Bunny Garcia Appraisals is your best evidence. We're capable of assisting you in challenging your tax assessment.

PMI removal to lower your mortgage payment

Private Mortgage Insurance, or PMI, is an extra insurance plan that nearly all lenders ask home owners to purchase when the amount being loaned to the home owner is more than 80% of the actual value of the property. Most often, this extra payment is folded into the monthly mortgage payment and is soon forgotten. This is unfavorable because PMI isn't necessary when the remaining balance of the loan - whether through market appreciation or principal pay down - goes below the 80% level. In fact, the United States Congress implemented a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to dismiss the PMI installments when the loan-to-value ratio conditions have been met.

If you'd like to do away with PMI, Bunny Garcia Appraisals can produce a statement regarding the value of your home. The expense of the home valuation can often be offset in little time because you'll no longer be paying the PMI.

Settling a divorce with less stress with an appraisal from Bunny Garcia Appraisals

A divorce is often complicated by the strenuous decision of who maintains the house, and it can be a particularly heartbreaking event for both parties. So both parties are completely aware of the true market value of their property, it's a good idea to order an appraisal from Bunny Garcia Appraisals, regardless of the situation.

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

Accurate and fair estate liquidation with Bunny Garcia AppraisalsSettling an estate

The death of a loved one is a difficult 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 guarantee the maximum 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 manage these issues, unlike wealthier individuals. A home or other property often makes up an unequal share of the total estate value, so knowing the true value of the real estate at hand is of vital importance to ensuring disputing parties walk away knowing they've gotten an honest deal.

Let Bunny Garcia Appraisals help you with relocating to or from Columbia 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. During our detailed process, we encourage employees that are moving to provide feedback on the positive features of their property, along with information regarding any current sales or listings in their neighborhood that they want considered.

Let Bunny Garcia Appraisals assist you in selling your home quickly at the right price

A professional appraisal will help you make a better educated decision when determining your selling price, whether you choose to sell your home on your own or use the assistance of a real estate agent. Separate from a real estate agent, an appraiser has no vested interest in what amount the house sells for. Our fees aren't contingent upon the value opinion we render, but rather they are based on our efforts to finish the appraisal.

On a daily basis, we examine the difference in value items like an extra bathroom or a kitchen remodel can make. And we're experts in knowing how long houses stay on the market. So, seeking 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.