Let Kelly and Associates handle your appraisal

Thousands of people in California buy, sell or refinance their home every year. Most of these transactions contain a simple line item for an appraisal. Practically all lenders still want a local expert because the stakes are very high, even though there are a developing number of automated home valuation methods that may seem cheaper than an appraisal. You might assume that obtaining a mortgage is the only reason you should get an appraisal, but there are more instances when the services of a licensed, independent real estate professional might be beneficial.


	When you're planning on any transaction where the value of your house is of importance, you should contact Kelly and Associates. Just click here

Let Kelly and Associates help you challenge your tax assessment in Monterey 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 determined by a previous assessment of your home, so if values are less than what they used to be in your neighborhood, you can appeal your assessment and save money. An appraisal from Kelly and Associates is your best evidence when building your case. At Kelly and Associates, we're qualified to assist you in disputing your tax assessment.

Let Kelly and Associates help you do away with PMI to lower your mortgage payment

Private Mortgage Insurance, or PMI, is an added insurance policy that nearly all lenders ask home buyers to purchase when the amount being loaned to the homebuyer is more than 80% of the actual value of the home. This extra payment is often lumped into the monthly mortgage payment and is promptly forgotten. This is unfortunate because PMI isn't required when the remaining balance of the loan - whether through market appreciation or principal pay down - goes below the 80% mark. In fact, the United States Congress implemented a law in 1998 (the Homeowners Protection Act of 1998) that requires 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, Kelly and Associates will provide you with a statement regarding the value of your home. The cost of the appraisal can generally be recovered in just a few months because you'll no longer be paying the PMI.

Settling a divorce with less stress

A divorce is a very daunting ordeal for the parties involved, and it is often more complicated by the strenuous decision of who keeps the house. So both parties are fully aware of the true market value of their house, it's a good idea to order an appraisal from Kelly and Associates, regardless of the circumstances.

If the parties want to sell the home, they'll have a a good idea of what price to set. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've received a fair evaluation.

Trustworthy estate liquidation

The death of 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 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 manage these issues, unlike wealthier individuals. And seeing that a home or other property often makes up an uneven share of the total estate value, understanding the correct value of the real estate at hand is of essential importance to ensuring disputing parties leave knowing they've received a fair deal.

Let Kelly and Associates assist you in relocating to or from Monterey County

We know the stress involved with an employee relocation. We take great care in organizing an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide input on the positive features of their property, along with information about any new sales or listings in their area that they want considered during our detailed process.

Sell 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 want to sell your home on your own or with the help of a real estate agent. With much different interests than a real estate agent, an appraiser has no vested interest in what amount the house sells for. The price we charge isn't contingent upon the value we report, but rather they are calculated on our efforts to complete the appraisal.

On a daily basis, we analyze the difference in value items like an additional bathroom or a kitchen remodel can make. And we're experts in knowing how long properties are on the market. So, obtaining 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 for an extended amount of time.