Establishing Values
We are providing home appraisal valuations you can trust!
We are providing home appraisal valuations you can trust!
AAA Valley Appraisals, Inc. serves mortgage companies throughout the United States with topnotch professional real estate appraisal services. We are approved with most lenders and Coverage area "Santa Clara County Only, we will venture out to other counties depending on the demand in the market.
Serving the Santa Clara County community, since 1997, we specialize in residential real estate appraisals, and our staff offers quality and reliable services you can count on. In addition, our friendly and professional staff is here to answer any questions you may have about our company or our services.
At AAA Valley Appraisals, Inc., our goal is to provide you with courteous, expedient, professional real estate home appraisal service of the highest caliber. All appraisal are performed within HVCC Compliance Guidelines. We are also FHA approved .
Browse our Web site for more information about AAA Valley Appraisals, Inc. If you have any questions or would like to speak with a AAA Valley Appraisals, Inc. representative regarding our services, please e-mail us at Karin@aaavalleyappraisals.com or call us at (408) 373-5935.
At AAA Valley Appraisals, Inc. the client comes first. real estate home appraisals
Below is an overview of the qualifications and solutions AAA Valley Appraisals, Inc. provides. At AAA Valley Appraisals, Inc., we have been serving since 1997 and aim to provide the same convenient, quality service that has made us a leader in the the industry.
If at anytime, while you are browsing through our services section, you have a question related to any of our services don't hesitate to call us at (408) 373-5935 or send us an e-mail at Karin@aaavalleyappraisals.com
Karin Sztuk, Manager
UAD compliant, FHA approved license #CAAR025945 and Appraisal port for Export available.
Retrospective (Historical date) & luxury home Appraisal Specialists.
Certified Real Estate Appraiser license #AR025945.
Reverse Mortgage style appraisals.
Appraiser E&O Insurance, LIA.
Aspen American Insurance Company.
Policy# AAI004944-08.
Real Estate Sales License# 01331439.
Lender Approvals
AAA Valley Appraisals, Inc. is approved with most lenders.
Professional Affiliations
National Association of Real Estate Appraisers
National Association of Review Appraiser & Mortgage Underwriters
CREA Certified Real Estate Appraiser, San Jose Real Estate Board
Service
Fee
1004 Full/UARR
Call
FHA Appraisal
Call
Reverse Mortgage
Call
Comparable Rent Schedule
Call
Retrospective (Date of Death)
Call
Condominium
Call
Cooperative 1075
Call
Fannie 2055 Drive By
Call
Fannie 2055 Full
Call
Fannie 2065 Drive By
Call
Fannie 2065 Full
Call
Fannie 2075
Call
Freddie 2055 Drive By
Call
Freddie 2055 Full
Call
Freddie 2070 Drive By
Call
Freddie 2070 Full
Call
Operating Income Statement
Call
Recertification of Value
Call
Fees are approximate and may be higher for high-end or complex properties. All appraisal are performed within HVCC Compliance and Guidelines.
AAA Valley Appraisals, Inc. has a strict policy for handling customer information. The information you provide to AAA Valley Appraisals, Inc. is confidential and protected to the fullest extent possible. AAA Valley Appraisals, Inc. will not disclose or distribute customer information to third parties without prior written consent by the customer. refunds. If there are any questions regarding the final estimated value, it will need to be submitted in writing. Once an appraisal report is complete and an estimated value is determined there will be no refunds. If there are any further questions regarding the home appraisal, it will need to be submitted in writing for review. For complete details, please review the following policies:
There will be an approximate minimum $50.00- $150.00 up charge, on cancellation orders after they officially placed and accepted. Please note that the appraisal process starts at the time the appraisal is accepted.
NOTE: If the lender requests additional photos and comparable an additional fee will apply, since this will constitute extra work beyond the standard scope of an appraiser and is considered an addendum.
Terms of Use
Welcome to the AAA Valley Appraisals, Inc. Web site (“the site"). By accessing this Site, you agree to be bound by the terms and conditions below (the "Terms"). If you disagree with all of the Terms, please do not use the Site. AAA Valley Appraisals, Inc. may from time to time modify or revise the Terms by updating this Web page. Your use of our Site following any such change constitutes your agreement to follow and be bound by the Terms as changed. If any change is unacceptable to you, your only recourse is to terminate your use of the Site.
Privacy
It is our policy to respect the privacy of individuals who visit the Site or provide Comments to us. Our privacy policy (the "Privacy Policy"), which you may view at http://www.aaavalleyappraisals.com/, is incorporated herein by reference. By accepting these Terms, you expressly consent to the use and disclosure of your personally identifiable and other information as described in the Privacy Policy.
Miscellaneous
These Terms are governed by and shall be construed in accordance with the laws of the CA without giving effect to any principles of conflicts of law. If any provision of these Terms shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from these Terms and shall not affect the validity and enforceability of any remaining provisions. These Terms are effective unless and until terminated by AAA Valley Appraisals, Inc.
An appraisal is a valuation of property, such as real estate, a business, a collectible, or an antique, by the estimate of an authorized person. The authorized appraiser must have a designation from a regulatory body governing the appraiser's jurisdiction. Appraisals are typically used for insurance and taxation purposes or to determine a possible selling price for an item or property. In many cases, lenders require home appraisals before approving mortgages.
Our first responsibility at AAA Valley Appraisals is to inspect the property to determine its true status. We must physically see aspects of the property, such as the number of bedrooms and bathrooms, the location, amenities, etc., to ensure they truly exist and are in the shape a typical person would expect them to be. To ensure the stated square footage has not been misrepresented and convey the layout of the house, the inspection often includes creating a sketch of the floor plan. Most importantly, the appraiser looks for any obvious features - or defects - that would have an impact on the value of the property.
Back at the office, we use two or three approaches when determining the value of the property: a sales comparison, a replacement cost calculation, and an income approach when rental properties are prevalent.
Here, we use information on local construction costs, labor rates and other elements to figure out how much it would cost to replace the property being appraised. This figure usually sets the upper limit on what a property would sell for. It's also the least used method.
Appraisers are intimately familiar with the neighborhoods in which they appraise. We innately understand the value of certain features to the residents of that area. Then, the appraiser looks up recent transactions in the neighborhood and finds properties which are 'comparable' to the real estate being appraised. By assigning a dollar value to certain items such as remodeled rooms, types of flooring, energy-efficient items, patios and porches, or extra storage space, we adjust the comparable properties so that they more accurately match the features of subject property.
After all differences have been accounted for, the appraiser reconciles the adjusted sales prices of all the comps and then derives an opinion of what the subject could sell for. The sales comparison approach to value is most often awarded the most weight when an appraisal is for a home exchange.
In the case of income producing properties - rental houses for example - the appraiser may use an additional way of valuing a property. In this case, the amount of revenue the real estate yields is factored in with other rents in the area for comparable properties to determine the current value.
Files coming soon.
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