Getting an appraisal from Bunker Appraisal Service

To a lot of people, an appraisal is simply a line item in the long list of items for a home purchase or refinance. Practically all lenders still need a local expert because the stakes are very high, even though there are a developing number of automated home valuation systems that may appear more prudent than an appraisal. But is getting a mortgage the only reason you should get an appraisal? Are there also situations when the services of a licensed, independent real estate professional could come in handy? Of course there are.


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Let Bunker Appraisal Service help you appeal your tax assessment in San Juan County

If you reside in an area where the value of property has declined, it's possible you're paying too much in property taxes. When building your case, an appraisal from Bunker Appraisal Service is your best evidence. At Bunker Appraisal Service,we can assist you in appealing your tax assessment.

Let Bunker Appraisal Service help you do away with PMI to lower your mortgage payment

Private Mortgage Insurance, or PMI, is a supplemental insurance policy that almost all lenders ask home buyers to buy when the amount being loaned to the home owner is more than 80% of the actual value of the real estate. This added payment is often folded into the monthly mortgage payment and is soon forgotten. This is damaging 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 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.

If you'd like to do away with PMI, Bunker Appraisal Service can give you a statement regarding the value of your home. The expense of the home valuation can often be regained in just a few months because you'll no longer be paying the PMI.

An appraisal from Bunker Appraisal Service will help you settle a divorce with less stress

A divorce is often complicated by the challenging decision of who gets the home, and it can be a particularly heartbreaking experience for both parties. It's a good idea to order an appraisal from Bunker Appraisal Service so both parties are completely aware of the true market value of their home, regardless of the situation.

The parties will have a clearer picture of what price to set, if they need to sell the home. And if a "buyout" is the chosen option, both parties will feel like they've gotten 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 Fair Market Value for the residential property involved. We guarantee the highest degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).

Most Americans do not have dedicated estate planners or executors to handle these issues, unlike many wealthy individuals. And since a home or other property often makes up an uneven share of the total estate value, knowing the true worth of the real estate at hand is of vital importance to ensuring disputing parties leave knowing they've gotten an honest deal.

Let Bunker Appraisal Service assist you in relocating to or from San Juan County

Moving due to a job change is a stressful event, and we understand. That being said, we take great care in setting up an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide feedback on the positive characteristics of their property, along with information regarding any current sales or listings in their neighborhood that they want considered during our thorough process.

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

Whether you decide 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 regarding 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 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 homes stay on the market.