There are lots of reasons consumers call on Shirley Snyder, SRA

To many, an appraisal just looks like one more thing on the break-sheet for a mortgage or refinance. Almost all lenders still call in a local expert because the stakes are incredibly high, even though there are an increasing number of automated home valuation systems that might seem cheaper than an appraisal. You might believe that getting a mortgage is the only reason to get an appraisal, but there are additional times when the services of a certified, independent real estate professional could be helpful.


	If you're planning on any transaction where the value of your property is a factor, contact Shirley Snyder, SRA. Just click here.

Challenge your tax assessment in San Diego 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 Shirley Snyder, SRA is your best evidence. We're capable of assisting you in disputing your tax assessment.

Let Shirley Snyder, SRA assist you in lowering your mortgage payment

When the amount being loaned to the home owner is more than 80% of the actual value of the home, nearly all lenders ask homeowners to buy an additional insurance plan. That policy is Private Mortgage Insurance, or PMI. Seeing that additional payment is usually lumped into the monthly mortgage payment, it is often forgotten. This is damaging because PMI becomes unnecessary when the remaining balance of the loan - whether through market appreciation or principal pay down - decreases below the 80% mark. In fact, the Homeowners Protection Act (HPA) of 1998 was approved by the United States Congress that requires lenders to eliminate the PMI payments on most mortgages when the balance is paid down to 78% of the original value.

Shirley Snyder, SRA can produce a statement regarding the value of your home, and the expense of the appraisal can usually be offset in a short amount of time because you'll no longer be paying the PMI.

An appraisal from Shirley Snyder, SRA will help you settle a divorce with less stress

A divorce can be a particularly traumatic experience for both parties, and it is often even more complicated by the challenging decision of who keeps the house. It's a good idea to get an appraisal from Shirley Snyder, SRA so both parties are completely aware of the true market value of their house, regardless of the circumstances.

The parties will have a better idea 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 received a fair evaluation.

Fair and accurate estate liquidation with Shirley Snyder, SRASettling an estate

The loss 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 real estate 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).

Unlike wealthy individuals, most Americans don't have dedicated estate planners or executors to handle these affairs. A home or other property often makes up an unequal share of the total estate value, so understanding the true value of the real estate at hand is of vital importance to ensuring disputing parties leave knowing they've gotten a fair deal.

Let Shirley Snyder, SRA assist you in relocating to or from San Diego County

We understand the stress involved with an employee relocation. That being said, we take great care in establishing a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide remarks on the positive features of their property, along with information about any recent sales or listings in their area that they want considered during our detailed process.

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

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. Unlike a real estate agent, an appraiser has no vested interest in what amount the house sells for. Our fees are calculated on our efforts to finish the appraisal report and not a percentage of the sales price.

On a daily basis, we examine the difference in value items like an additional bathroom or a kitchen remodel can make. Getting a professional appraisal is a trusted way to decide 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 - because we're experts in knowing how long houses stay on the market.