Ordering an appraisal from Arioto Appraisal

To many, an appraisal is simply a line item on the settlement sheet for a mortgage or refinance. And even though there are a multiplying number of automated home valuation processes that may seem more economical than an appraisal, the majority of lenders still want a local expert because the stakes are very high. You might believe that securing a mortgage is the only reason to get an appraisal, but there are other situations when the services of a licensed, independent real estate professional might come in handy.


	Contact Arioto Appraisal if you're planning on any transaction where the worth of your home is a factor. Just click here

Appeal your tax assessment in Santa Clara County

If you reside in an area where property values have depreciated, it's possible you're paying too much in property taxes. When building your case, an appraisal from Arioto Appraisal is your best evidence. At Arioto Appraisal,we can assist you in disputing your tax assessment.

Arioto Appraisal can help you eliminate PMI to lower your mortgage payment

Private Mortgage Insurance, or PMI, is an additional insurance policy that many lenders ask buyers to buy when the amount being loaned to the home buyer is more than 80% of the actual value of the home. Seeing that additional payment is usually bundled into the monthly mortgage payment, it is often forgotten. PMI isn't required when the remainder of the loan - whether through market appreciation or principal pay down - falls below the 80% mark, making this very unfavorable. In fact, the United States Congress implemented a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to eliminate the PMI payments when the loan-to-value ratio conditions have been met.

Arioto Appraisal will provide you with a statement regarding the value of your home, and the cost of the appraisal can usually be offset in little time because you'll no longer be paying the PMI.

Settling a divorce with less stress

A divorce is a particularly traumatic experience for the parties involved, and it is often further complicated by the hard decision of who keeps the house. It's a good idea to order an appraisal from Arioto Appraisal so both parties are completely aware of the true market value of their house, 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 gotten a fair assessment.

Fair and accurate estate liquidation with help from Arioto AppraisalSettling an estate

The loss of 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 Fair Market Value for the real estate 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 take care of these matters, unlike many wealthy individuals. A home or other property often makes up an uneven share of the total estate value, so knowing the true worth of the real estate at hand is of significant importance to ensuring disputing parties leave knowing they've gotten a fair deal.

Arioto Appraisal can help you with relocating to or from Santa Clara County

Employee relocation is a real painWe know where you're coming from. That being said, we take great care in setting up an accommodating appointment time for the appraisal inspection. During our detailed process, we encourage employees that are moving to provide remarks on the positive aspects of their property, along with information about any recent sales or listings in their neighborhood that they want considered.

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

A professional appraisal will help you make a more informed decision regarding your selling price, whether you want 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 are derived from our efforts to finish the appraisal report and and aren't related to the sales price.

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 houses stay on the market. So, obtaining a professional appraisal is a trusted 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 for an extended amount of time.