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Home Appraisal for Divorce

Home Appraisal in Divorce: What Every Homeowner Should Understand

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The Importance of Getting a Fair House Appraisal for Divorce

A home appraisal in divorce is essential when you and your spouse need a clear, impartial number to support a fair division of property. The family home is often the largest shared asset, and relying on online estimates or informal opinions can lead to costly disagreements. A certified appraisal establishes the current market value in an objective, legally credible, and practical manner for negotiations or court submissions. For couples in Southern and Central Vancouver Island, including Victoria, Nanaimo, and the Gulf Islands, selecting a local firm with in-depth market knowledge ensures your home’s value accurately reflects the local market conditions.

Key Takeaways

  • A certified home appraisal provides an unbiased assessment of market value, supporting a fair division of assets.
  • Courts and mediators rely on professional reports that meet Canadian appraisal standards and are prepared by members of the Appraisal Institute of Canada.
  • A house appraisal for divorce is critical for buyouts, legal settlements, and court requirements.
  • Retrospective valuations can establish property value as of the separation date or prior to significant post-separation improvements.
  • Local market expertise enhances accuracy and ensures the appraisal accurately reflects the local market.

Why an Appraisal Matters During Divorce

During separation, emotions can complicate financial decisions. A home appraisal for divorce brings clarity by focusing on comparable sales, neighbourhood trends, property conditions, and current listings. With a professional report in hand, both homeowners can negotiate from a common foundation, which reduces the likelihood of conflict and shortens the time to reach an agreement. Because the real estate market is constantly evolving, an independent appraisal ensures that decisions are made using current, local data rather than estimates.

How a House Appraisal for Divorce Works

Your appraiser inspects the property, reviews recent sales of similar homes, considers market direction, and evaluates unique features or deferred maintenance. The result is a detailed, written report that explains the methods used, the comparable properties analyzed, the adjustments made, and the final opinion of value. For divorcing couples, the report is formatted so that lawyers, mediators, lenders, and the court can understand the rationale and adopt it as a credible basis for settlement discussions.

When an Independent Valuation Becomes Essential

There are several common moments in a divorce when an independent home appraisal becomes essential. 

  • If one homeowner wants to keep the home and buy out the other, the appraisal supports a fair buyout figure. 
  • If there is disagreement about the property’s worth, a neutral valuation helps focus the dispute on the facts. Courts may also require professional documentation to advance the proceedings. 
  • For situations where the separation occurred months or years earlier, a retrospective valuation can determine the value as of the separation date, excluding the effect of significant improvements completed after the separation, so that both parties are treated fairly. 

Special Situations That Affect Value

Some divorces involve properties that earned rental income before or after separation. In such cases, an accurate valuation aids in tax planning and capital gains considerations. You may need a current valuation and a second retrospective valuation to align with the date when rental income began.

Working with an appraiser who understands the local market history is especially valuable in these scenarios, since long-running trends can influence the numbers. 

What to Expect in the Report

A well-prepared home appraisal in a divorce report clearly explains:

  • The scope of work
  • Describes the property
  • Details the data sources and comparable sales
  • Presents a well-reasoned value conclusion

The document stands on its own, with transparent reasoning and attachments that support the figures presented.

Lawyers and mediators appreciate reports that meet professional standards, because they can be submitted to the court when needed without rework or delay. The clarity of the analysis reduces the chance of later challenges and gives both spouses confidence in the outcome. 

Protecting Both Parties Through an Unbiased Evaluation

Dividing a family property and assets is a complex process. At D. Fritz Appraisals, we’re here to ensure you have the information you need about your home’s value to come to a fair and amicable agreement.

Instead of debating a price range pulled from online tools or neighbourhood chatter, you both rely on a professionally supported value. The neutrality of the report helps negotiations stay focused on solutions, such as buyouts or timelines for sale, rather than on disputes about price. That objectivity is why courts and lenders continue to rely on certified appraisers for matters involving divorce settlements. 

Frequently Asked Questions

  • Can A Home Appraisal Be Backdated To The Separation Date?
    Yes. This is known as a retrospective appraisal, which establishes the property’s value as of the legal date of separation. It’s often required for court or settlement purposes when the divorce process takes place months or even years after separation.
  • Is One Appraisal Enough If My Spouse Disagrees With The Value?
    If there’s a dispute, both parties may order their own appraisals. However, courts typically prefer when a single independent certified appraisal is agreed upon, as this reduces conflict and costs.
  • What’s The Difference Between A Market Valuation And An Appraisal For Divorce?
    A market valuation from a realtor provides an estimate of what the home could sell for, but it is not considered legal evidence in divorce proceedings. A certified appraisal produces a formal report that meets Canadian standards and is accepted by the courts.

Ensuring Fairness in Property Division

A home appraisal in divorce gives you and your spouse a reliable number that supports fair decisions and reduces conflict. At D. Fritz Appraisals, we understand how important it is to receive a fast and accurate appraisal of your family property, so you can focus on moving forward. 

All appraisers at D. Fritz Appraisals are certified with the Appraisal Institute of Canada (AIC) and professionally insured for liability according to the Canadian Uniform Standards of Professional Appraisal Practice (CUSPAP), providing peace of mind that your appraisal is accurate, impartial, and professionally prepared. When you are ready to move forward, reach out to D. Fritz Appraisals to book your professional appraisal and take the next step toward a fair settlement.

The Best Selling Time in BC

The Best Selling Time in BC: Seller’s Market vs. Buyer’s Market Explained

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Seasonal Market Insights for Victoria Property Sellers 

When determining the optimal selling time for your Victoria property, understanding whether you’re in a seller’s market or buyer’s market is crucial for maximizing your return on investment. As experienced property appraisers serving homeowners across Greater Victoria, southern Vancouver Island, D. Fritz Appraisals Inc. monitors how local market conditions strongly influence timing strategies and sale outcomes throughout the year.

Key Takeaways

  • Spring remains an important season for listings, but strength is less uniform. Pricing and positioning now matter as much as timing.
  • Fall 2025 is emerging as a key secondary window for sellers looking to capture motivated buyers returning after the summer.
  • Inventory levels are higher, and the market is more balanced; not every listing will receive multiple offers.
  • Winter markets favour serious buyers shopping for homes in Victoria’s mild climate. Fewer competing buyers create advantageous conditions.
  • A professional appraisal ensures optimal pricing, regardless of seasonal market conditions or the time of sale.
  • Local market dynamics matter more than general trends. Each Victoria neighbourhood has its own unique pattern.
  • Successful selling requires strategic timing that takes advantage of current market conditions.

Victoria’s Seasonal Real Estate Market Dynamics

Victoria’s real estate market follows seasonal rhythms, although they are less pronounced than in other parts of Canada due to the region’s mild climate. Understanding these cycles helps homeowners determine whether conditions favour a seller’s market or a buyer’s market scenario.

During the spring months, increased listings and buyer activity typically create seller’s market conditions. Properties receive more attention, often resulting in competitive offers. However, this active selling time also means more homes compete for buyer attention.

Regardless of the time of year, a professional appraisal is essential to maximize your sale. An accurate property valuation ensures your home is competitively priced, whether you’re navigating a seller’s market or a buyer’s market. Without proper market analysis, sellers risk missing opportunities in favourable conditions or overpricing when market dynamics shift.

Victoria’s mild climate keeps the real estate market active year-round, unlike other regions where winter creates dramatic slowdowns. This consistent activity means strategic sellers can find success at any time with proper positioning and pricing.

Spring: Selling Time Advantages

In early  2025, steady momentum created a seller’s market. From March to April 2025, a 4.7% increase in homes sold during this period indicates consistent, strong year-over-year performance. While spring is still an active selling season in Victoria, strong buyer demand has carried through the summer and into fall, signalling a more balanced and resilient market overall. 

High activity during the peak season creates classic seller’s market dynamics. Increased demand combined with a large inventory gives buyers more choices while maintaining competitive conditions for well-positioned properties. Sellers in desirable neighbourhoods continue to sell well despite increased competition.

A few of the contributing factors that can support a seller’s market in Greater Victoria include:

  • Longer daylight hours
  • Improved weather
  • Garden in bloom
  • Outdoor spaces shine
  • Increased curb appeal

In competitive markets, such as the spring selling season, a professional appraisal is essential. While buyer interest peaks, competition from other listings also intensifies. An accurate valuation ensures your property stands out in a seller’s market by being priced strategically rather than aspirationally.

Summer and Fall Market Opportunities

Victoria’s summer real estate market remains robust, defying the typical seasonal slowdowns seen elsewhere. June and July 2025 both recorded higher sales than the same months in 2024, demonstrating continued strength.

The summer selling season benefits from family buyers who prefer settling before school starts, as well as buyers looking to purchase vacation properties. These factors help maintain seller’s market characteristics even when other regions experience buyer’s market shifts during the summer.

Fall represents an excellent secondary time to sell in Victoria’s market. After summer, buyers often return with renewed focus and clear timelines. Historically, September has seen higher sales than August, and in 2025, this trend is expected to continue. The market is gaining strength as inventory stabilizes and demand remains steady. Rather than a single “spring rush,” this year has brought more consistent activity across seasons. With fewer new listings and motivated buyers still active, fall often creates favourable, localized seller’s market conditions despite broader signs of balance in the region.

Winter Market Considerations

Victoria’s mild climate distinguishes its winter selling season from other Canadian markets, where activity virtually comes to a halt. While transaction volumes decrease compared to peak seasons, serious buyer activity continues throughout the winter months.

December through February generally feature fewer listings, creating natural scarcity that can maintain seller’s market dynamics for appropriately priced properties. Reduced competition means well-positioned homes often attract disproportionate buyer attention during this selling time.

Buyers who are active during the winter demonstrate genuine motivation and readiness to complete purchases. These serious purchasers often move quickly, creating opportunities for sellers who understand how to leverage winter’s unique market conditions.

Professional appraisals become particularly valuable during the winter selling season. With fewer comparable sales and unique seasonal factors, accurate pricing ensures sellers remain competitive. 

Strategic Timing for Maximum Returns

Choosing your optimal selling time in Victoria requires balancing seasonal market patterns with personal circumstances. Understanding when seller’s market versus buyer’s market conditions typically emerge helps determine when to sell.

A professional appraisal provides you with the information you need to customize a plan that optimizes sales, regardless of the chosen selling time. Understanding current property values, recent comparable sales, and neighbourhood-specific trends are factors that will ensure your home is well-positioned to sell.

Frequently Asked Questions

  • How Does An Appraisal Differ From A Real Estate Agent’s Market Evaluation?

An appraisal is a formal, unbiased valuation conducted by a licensed appraiser and often recognized by lenders, courts, and financial institutions. A real estate agent’s evaluation is typically a marketing tool to help set a listing price. Both have value, but an appraisal provides a more detailed and defensible report.

  • Can An Appraisal Help If I’m Not Planning To Sell Right Away?

Yes. Many homeowners order appraisals for financial planning, refinancing, estate considerations, or to understand equity growth. Having a professional valuation before you’re ready to sell ensures you’re prepared when the timing is right.

  • Do Appraisals Consider Home Improvements Or Renovations?

Absolutely. A licensed appraiser will assess recent upgrades, renovations, and the overall condition of your property compared to similar homes in the area. This helps ensure that improvements are reflected in your market value.

  • How Often Should I Get My Property Appraised?

There’s no strict rule, but many homeowners choose to update their appraisal every 2–3 years, or sooner if there have been major changes in the market or significant renovations to the property.

Partner with Local Appraisal Experts To Maximize Selling Time

We’re here to help you time your home’s sale strategically and price it competitively. Our reports help homeowners understand local market dynamics to position their properties effectively.

Our appraisers are certified by the Appraisal Institute of Canada (AIC) and professionally insured for liability, in accordance with the Canadian Uniform Standards of Professional Appraisal Practice (CUSPAP). Contact us today to get started.

Estate Planning Mistakes

Estate Planning Mistakes Property Owners Can’t Afford to Make

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Common Property Valuation Pitfalls That Threaten Estate Plans

Estate planning requires careful property valuation to ensure your assets transfer smoothly to your beneficiaries. You’ve worked hard to build your wealth, but a few common mistakes can harm even the most thoughtful estate plan. Incorrect property assessments often lead to family disputes, unfair distributions, and unexpected tax burdens that could have been avoided. What valuation errors might you be making right now that could put your legacy at risk?

Key Takeaways

  • Using old property valuations leads to wrong estate sharing and possible tax problems, including higher probate fees.
  • Failing to account for future market changes can lead to unfair distributions among your heirs over time.
  • Missing information, like structural problems or shoreline erosion, can throw off your valuation.
  • Overlooking the tax effects of property transfers can greatly reduce the value your heirs receive, especially concerning capital gains on non-principal residences.
  • Not seeking advice from qualified professionals for both appraisals and legal/tax planning.

Relying on Outdated Property Valuations

When planning your estate, using outdated property valuations can create major problems for your beneficiaries. Vancouver Island’s real estate market changes all the time, and values from just a year ago might not match today’s market.

Effective estate planning in BC requires current appraisals that accurately reflect your property’s value. Old valuations can lead to tax errors, unfair asset distribution, and potential friction among heirs.

Your estate might face unnecessary probate delays or increased probate fees if government assessments are very different from your documented values. In British Columbia, probate fees are calculated based on the gross value of the estate, so an accurate, up-to-date appraisal is crucial to avoid overpayment.

We suggest updating your property appraisals every 1-2 years, or whenever significant market changes occur. Professional appraisals provide the accurate documentation needed for proper estate administration and help prevent disputes among beneficiaries. Proper documentation ensures your estate plan accurately reflects current market values and your legacy is distributed according to your wishes, without complications for your loved ones.

Neglecting to Consider Future Market Trends

Although current valuations are crucial, overlooking future market trends can significantly undermine your estate planning efforts. The real estate market from Victoria to Nanaimo and beyond isn’t static, and your estate plan shouldn’t be either.

When you’re planning for property distribution, don’t just look at today’s numbers. Consider development proposals in neighbouring areas, infrastructure projects, and demographic shifts that could impact values in 5-10 years. Vancouver Island’s limited geography means potential growth areas command premium future values.

Many property owners mistakenly focus exclusively on current appraisals without considering projected market direction and how it might influence their decision to sell or hold onto the property. 

Overlooking Property-Specific Depreciation Factors

Property owners often overlook specific depreciation factors that can significantly impact the estate valuation of their property. When planning your estate, don’t ignore issues like delayed maintenance, outdated systems, or structural problems that can seriously lower your property’s value.

On Vancouver Island, factors such as coastal erosion, saltwater exposure, and the wear and tear on certain building materials require careful review.

You’re not helping your heirs by overestimating property worth based just on neighbourhood comparables.

Professional appraisers can identify these commonly overlooked depreciation elements that could impact your estate planning outcomes. A comprehensive value-added improvements assessment can help determine if renovations are worth pursuing before finalizing your estate plans.

Disregarding Tax Implications Associated With Property Transfers

When planning your estate, overlooking the tax implications associated with property transfers can lead to costly consequences for your heirs. Different transfer methods trigger various tax events, from capital gains on non-principal residences to probate fees that can greatly reduce the value of your legacy.

Upon a person’s passing in Canada, the Canada Revenue Agency (CRA) generally considers all capital assets (real estate, investments, etc.) to be “deemed disposed” at their fair market value immediately before death. This means that any increase in value (capital gain) from when the property was acquired until the date of death can trigger capital gains tax, which is paid by the estate. The significant exception to this rule is the deceased’s principal residence, which is typically exempt from capital gains tax.

However, for investment properties, recreational properties (cottages), or other secondary residences, these capital gains can represent a substantial tax liability for the estate. Additionally, British Columbia levies probate fees (also known as estate administration tax) on the gross value of the estate. Accurate and current property valuations ensure the correct amount is paid, avoiding overpayments or delays.

Don’t assume property values at the time of estate planning will remain static. Market changes can dramatically alter your tax liability picture.

Frequently Asked Questions

  • How Do Seasonal Market Fluctuations Affect Estate Property Valuations?
    Seasonal market fluctuations can significantly impact the value of your property. Summer often brings higher prices, while winter markets typically slow down. You’ll want to consider timing when planning your estate property valuations. It’s worth noting these patterns to optimize your property’s assessed value and navigate the Canadian real estate cycle with confidence.
  • How Does Rental Income Potential Influence Estate Planning?
    It boosts your property’s value, creates revenue streams for your beneficiaries, and can make some properties better inheritance assets than others. When planning your estate, properties that generate ongoing income might be more helpful for your heirs. A steady cash flow helps cover maintenance costs and taxes after you’re gone. Canadian tax rules around rental properties and inheritances are unique, so talking with a local financial advisor about maximizing these benefits makes good sense.
  • Can Family Members Provide Reliable Property Valuations for Estates?
    Family members typically aren’t the best choice for valuing estate properties. They usually lack the professional training needed and may be too emotionally invested in the property to provide a fair assessment. They could also have personal interests that affect their judgment. It’s smarter to hire professional appraisers who can provide neutral, legally acceptable valuations that withstand scrutiny.

Securing Your Legacy with Accurate Estate Planning Valuations

Don’t let your estate plan fall victim to these common evaluation mistakes. You’ll serve your heirs better by using valuations based on current market trends that  account for depreciation and future market conditions. 

Consult a professional appraiser like D. Fritz Appraisals to help you understand the tax implications associated with inheriting a house. Our appraisers have professional liability insurance in accordance with the Canadian Uniform Standards of Professional Appraisal Practice and the Appraisal Institute of Canada. 

When you take these precautions, you ensure a smoother transfer of assets and help prevent disputes among beneficiaries. A thoughtful property evaluation today creates peace of mind for tomorrow. Contact us today to discuss your estate appraisal needs and ensure your legacy is protected.

Navigating BC Housing Interest Rates

5 Tips for Navigating BC Housing Interest Rates

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Landscape for Housing Market Interest Rates in British Columbia

BC housing interest rates are fluctuating, making it more challenging than ever to navigate the housing market. With economic uncertainties on the rise, your mortgage decisions today will have a significant impact on your financial future. Understanding how to secure favourable terms can save you substantial amounts over the lifespan of your mortgage.

Key Takeaways

  • Boost Your Down Payment: Aim for 20% or more to avoid mortgage default insurance and access better interest rates.
  • Strengthen Your Credit: Maintain a credit score above 700 and keep debt below 35% of your available credit.
  • Choose Wisely: Compare fixed rates for payment stability with variable rates for potential initial savings.
  • Utilize BC Programs: Leverage initiatives offered to improve your financial position.
  • Stay Informed: Monitor economic news impacting BC mortgage rates.

Understanding the Current BC Mortgage Rate Landscape

Why have BC mortgage rates been climbing and are now levelling off? Several economic factors are driving this trend, including global trade tensions and stock market volatility.

With BC housing interest rates now stagnating, you’ll need to navigate a challenging market where the average home price in British Columbia reached approximately $954,065 in June 2025. This significant price point has a direct impact on mortgage affordability across the province.

Canada-wide housing interest rates reflect broader economic uncertainties that affect borrowing costs.

One way to make informed decisions in this landscape is to monitor economic indicators that influence BC housing interest rates, such as the monthly jobs reports, which report on earnings and unemployment across Canada, and the Gross Domestic Product. If the GDP is low, the Bank of Canada may lower interest rates to boost the economy. Consider how these changes may impact your long-term financial objectives.

Building Financial Strength to Secure Better Interest Rates

Navigating rising BC housing interest rates requires more than just market awareness—it demands personal financial strength. Lenders offer more favourable terms when you maintain a debt-to-credit ratio below 35% and build your credit score above 700.

Your employment stability matters greatly—staying with the same employer for at least two years signals reliability to financial institutions.

Don’t overlook the importance of setting up a cash reserve covering 3-4 months of expenses. This financial buffer not only provides personal security but also demonstrates to lenders that you’re prepared for unexpected challenges, potentially unlocking better interest rates for your home purchase.

Strategic Down Payment Planning for Favourable Terms

When planning your home purchase in BC’s competitive market, your down payment strategy can greatly impact the interest rates you’ll get. A larger down payment lowers your loan-to-value ratio, making you less risky to lenders and potentially qualifying you for the best mortgage rates in Canada’s housing market.

Consider these strategic approaches:

  • Aim for at least 20% down to eliminate mortgage default insurance and reduce your overall loan amount.
  • Remember that larger down payments often result in lower housing interest rates, as lenders perceive you as a lower risk.
  • Build a financial cushion beyond your down payment to demonstrate stability in case interest rates change.

This strategic approach not only improves your immediate terms but also strengthens your long-term financial position. Consider getting a progress inspection appraisal if you’re planning renovations to determine whether the improvements will add sufficient value to your property.

Comparing Fixed vs. Variable Rate Options in BC’s Market

Homebuyers in British Columbia face a tough decision when choosing mortgage terms: fixed or variable interest rates. Fixed rates give you predictability in the changing housing market, locking in your interest rate for the entire term and making monthly budgeting easier.

Variable mortgage rates usually start lower than fixed options, potentially saving you money at first. However, these rates change with the Bank of Canada’s prime rate, adding some uncertainty to your long-term financial planning.

The good news? Variable rates often have lower penalties if you need to break your mortgage.

Your choice should align with your financial situation and level of comfort with risk. If you value stability in a changing market, fixed rates offer peace of mind. If you’re comfortable with some uncertainty and want to take advantage of potential rate decreases you anticipate, variable options may better suit your needs.

Leveraging Provincial Programs to Optimize Your Mortgage

The province of British Columbia offers several valuable programs that can significantly reduce your homeownership costs while helping you secure more favourable mortgage terms. By taking advantage of these initiatives, you’ll lower your overall financial burden and potentially qualify for more favourable interest rates.

  • Annual property tax reductions of up to $770 are available through the BC Home Owner Grant.
  • New construction purchases up to $1.1 million can qualify for a complete property transfer tax exemption.
  • A new federal GST rebate for first-time buyers of newly constructed homes provides significant savings on the purchase price, further reducing your upfront costs.

Frequently Asked Questions

  • Are Interest Rates Expected to Go Down in 2025 in Canada?
    Interest rates aren’t expected to drop much in 2025 in Canada. Higher mortgage costs are likely to remain in place as the Bank of Canada keeps working to control inflation. Be prepared. Get your finances ready for these higher rates rather than hoping for quick relief.
  • How Do I Get the Best Interest Rate on a House?
    To secure the best interest rate, aim for a 20% down payment, maintain a credit score above 700, compare offers from multiple lenders, consider using a mortgage broker, and apply when economic conditions are favourable. Stable employment and lower debt levels also contribute to securing better deals.
  • What Will Mortgage Rates Be in 2026 in Canada?
    The CMHC forecasts suggest mortgage rates will likely settle between 5-6% by 2026. These rates are tied to inflation and economic recovery, with potential fluctuations until they find a steady rhythm. Housing market interest rates are expected to stabilize once these rates are established.

Navigating BC’s Real Estate Landscape: Final Thoughts

With BC’s uncertain housing interest rates, smart financial planning is the key to ensuring a good mortgage rate. Build a stronger credit score, save for a larger down payment, and carefully consider fixed versus variable rate options to set yourself up for success.

Don’t miss out on provincial programs created to help homebuyers like you. With these strategies, you’ll be better prepared to handle interest rate changes and make confident choices in BC’s ever-changing real estate landscape.

Ready to make an informed decision about your BC home? Choose an appraisal service with a team that includes AACI-designated experts. A professional appraisal from D. Fritz Appraisals Inc. will provide a clear understanding of your property’s value, which is crucial for mortgage financing and informed investment decisions. Contact us today to learn more.

First-Time Homebuyers with GST Relief

GST Relief: What First-Time Home Buyers in BC Need to Know

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Navigating the Requirements for GST Tax Relief

In British Columbia’s competitive housing market, GST relief provides the helping hand First-Time Home Buyers (FTHB) need to reduce the overall cost of purchasing a newly constructed home. If you’re shopping for your first home, the federal government is eliminating the GST on properties worth $1 million or less and reducing GST on homes between $1 million and $1.5 million. 

As a result, FTHBs will see savings of up to $50,000. This tax break may seem straightforward on the surface, but there are important details about who qualifies and how to apply that can significantly impact your chances of success.

Getting all the details right is crucial. Incomplete documentation could mean losing out on this valuable benefit. That’s why many buyers turn to local experts like D Fritz Appraisals to get accurate property valuations and guidance through the process, helping ensure you maximize your GST tax relief.


Key Takeaways

  • First-time buyers in BC can save up to $50,000 in GST on new homes.
  • GST is eliminated on homes under $1M; partial rebates for homes between $1M–$1.5M.
  • To qualify, you must be a first-time buyer, a Canadian citizen or permanent resident, and use the home as your primary residence.
  • Builder-purchased, owner-built and shares in co-operative housing are eligible, with different requirements.
  • Homes must be purchased or construction started on or after May 27, 2025, and before 2031.
  • This rebate is a one-time opportunity, so timing and documentation are key.

Breaking Down First-Time Home Buyer GST Savings

Three key parts shape the FTHB GST Rebate: your savings amount, property value limits, and timing rules.

Through Canada’s federal GST relief program, you’ll save up to $50,000 in GST when buying a new home worth $1 million or less. For homes priced between $1 million and $1.5 million, you’ll receive a smaller rebate that gradually decreases.

  • To be eligible, you must sign your purchase agreement on or after May 27, 2025, and before 2031.
  • The GST savings apply to both new builder-sold and owner-built homes, provided construction commences before 2031 and is mainly completed by 2036.
  • Please note that this rebate is only available once in a lifetime and must be used as your primary residence.

Key Eligibility Requirements for GST Relief for BC Residents

To qualify for the federal GST relief program, you need to meet several key requirements. These rules ensure the rebate benefits genuine first-time homebuyers and maintain the program’s smooth operation. Review these important qualifications before you apply:

  • You must be 18 or older and either a Canadian citizen or a permanent resident
  • You can’t have owned a home, nor lived in a home owned by yourself or your spouse/common-law partner, in the calendar year of purchase or in the four preceding years (in or outside Canada)
  • Your new home must cost less than $1.5 million 
  • You need to live in the property as your main home
  • If you’re married or have a common-law partner, they can’t have claimed the rebate before

Combined with the existing GST/HST New Housing Rebate, the FTHB GST Rebate provides full GST money back on homes valued up to $1 million, with smaller rebates for homes priced between $1 million and $1.5 million.

Maximizing Your GST Relief Savings on New Construction

Smart planning can maximize your GST relief benefits when building or buying new construction in BC.

To receive the full GST rebate of up to $50,000, your new home’s value needs to stay under $1 million. You might still qualify for a partial rebate if you’re looking at a property between $1 million and $1.5 million.

If you’re an owner-builder, timing your construction is crucial. Start building between May 27, 2025, and before 2031, and ensure substantial completion by 2036.

Keep thorough records of all GST paid on materials and labour. Since you can only claim this rebate once in your lifetime, it’s important to make the most of it.

When working with a builder, ensure your purchase agreement falls within the eligible dates and follows all program requirements.

Owner-Built Homes vs. Builder-Purchased Properties

First-time homebuyers in BC have a tough decision to make: whether to buy from a builder or build their own home. Both choices offer valuable GST tax relief of up to $50,000, but they follow different rules and have unique advantages.

For builder-purchased homes:

  • Need a purchase agreement between May 27, 2025, and 2031
  • The builder must finish the majority of construction by 2036
  • You must be the first person to live in the home
  • The builder takes care of most construction details
  • Less hassle with paperwork and coordination

For owner-built homes:

  • Must begin construction between May 27, 2025, and 2031
  • Need to meet specific completion deadlines
  • You must be the first person to live in the home
  • You get more control over design and customization

The builder-purchased route offers a more straightforward path, while owner-built homes give you more freedom to create exactly what you want. This spec vs custom home article does a good job of explaining the difference. 

Your choice may depend on how much time and effort you’re willing to invest in the building process.

Getting an independent appraisal of your property’s value is crucial for making informed decisions about asset division and future property investments.

Frequently Asked Questions

  • Can I Combine the FTHB GST Rebate With Other Provincial First-Time Buyer Incentives?

Yes, you can combine the FTHB GST rebate with other provincial first-time buyer programs. The rebate is designed to work alongside existing incentives, maximizing your savings when you purchase your first home.

  • What Happens if My Marital Status Changes During the Rebate Application Process?

If your marital status changes (for example, you get married or become common-law) while applying for the GST relief, you must disclose your spouse’s or partner’s homeownership history. To remain eligible, neither you nor your spouse/common-law partner can have owned a home, or lived in a home owned by either of you, in the year of purchase or in the previous four calendar years. 

  • How Long Does It Typically Take to Receive the Rebate After Applying?

Processing times for the FTHB GST rebate typically range from four to six weeks after sending in your completed paperwork. Please note that if you’re missing any documents or if your application requires additional review, the wait time may be longer than average.

A Smart Step Toward Affordable Homeownership

Whether you’re buying from a builder or planning to build your first home yourself, navigating the GST relief process with confidence starts with understanding your property’s true value.

At D. Fritz Appraisals, we help first-time buyers across BC with accurate, timely valuations that support rebate eligibility and informed decision-making. Our appraisers are certified with the Appraisal Institute of Canada (AIC) and professionally insured for liability according to the Canadian Uniform Standards of Professional Appraisal Practice (CUSPAP). 

Have questions or need an appraisal as part of your tax relief planning? Contact us today to get started.

How to Improve Curb Appeal

How to Improve Curb Appeal: What Appraisers Notice

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Improving Curb Appeal to Improve Home Value

First impressions matter—especially when it comes to your home’s appraisal—and knowing how to improve curb appeal can make all the difference. During the summer months, your property’s exterior becomes even more noticeable to appraisers. By focusing on specific elements that professionals look for, you can enhance your home’s curb appeal and potentially increase its appraised value.

Key Takeaways

  • Well-maintained landscaping with fresh mulch and seasonal flowers significantly improves curb appeal and appraiser impressions
  • Clean, damage-free exteriors can significantly improve your property’s appraised value
  • A welcoming entryway with updated hardware and appropriate lighting creates a positive first impression
  • Functional outdoor living spaces add value and appeal to potential buyers
  • Regular maintenance of driveways, walkways, and lawns demonstrates care for your property

Improve Your Curb Appeal with Landscaping and Garden Maintenance

Investing time in landscaping and garden maintenance doesn’t just enhance visual appeal—it can add meaningful value to your property. Well-maintained landscaping is consistently recognized as one of the top improvements that can increase your home’s market value, making it a worthwhile consideration when improving curb appeal.

Regular lawn care, including mowing, watering, and weeding, creates a neat appearance that appraisers notice during evaluations. Trimming overgrown shrubs and trees not only enhances visual appeal but also eliminates potential safety concerns.

Adding fresh mulch to garden beds provides a polished finish to your outdoor spaces. Including seasonal flowers and native plants enhances curb appeal while reducing maintenance requirements, making your property more attractive to both appraisers and potential buyers. Understanding which improvements add the most value can help guide your landscaping decisions.

Exterior Home Condition and Its Impact on Curb Appeal

Your home’s exterior condition significantly influences appraiser perceptions. A well-maintained exterior creates curb appeal that resonates with both appraisers and potential buyers.

Neglected maintenance issues, such as peeling paint or roof damage, can significantly decrease your appraised value. Conversely, clean siding and a well-kept yard can lead to a noticeably higher home appraisal. Appraisers particularly notice structural integrity, making roof and siding maintenance essential. Additionally, accurate property valuation becomes especially important during challenging circumstances, particularly with jointly-owned homes during separation or divorce.

Regular maintenance activities like power washing and fresh paint not only enhance curb appeal but also create positive impressions that can lead to higher appraisals.

Entryway Upgrades That Improve Curb Appeal

Your entryway serves as the introduction to your home, making it crucial to make a good impression. A clean, welcoming entrance creates a positive first impression that influences overall curb appeal assessment.

Consider refreshing your front door with a new coat of paint in a complementary colour. This relatively inexpensive improvement can significantly improve curb appeal.

Well-maintained hardware, including doorknobs and handles, demonstrates attention to maintenance details and improves aesthetic appeal. Adding warmth through strategically placed potted plants or seasonal decorations creates an inviting atmosphere for both appraisers and potential buyers.

Proper lighting improves safety while highlighting your home’s features during evening hours, positively affecting appraisal outcomes.

Improve Curb Appeal with Outdoor Living Areas

Thoughtfully designed outdoor living spaces can substantially enhance your property’s curb appeal and value. Appraisers look for well-defined areas such as patios, decks, and porches that add functional space and aesthetic appeal.

Creating comfortable seating areas, outdoor dining options, and incorporating decorative elements transforms your yard into an attractive extension of living space that appeals to potential buyers. Features like fire pits, outdoor kitchens, or pergolas not only elevate your outdoor areas but also reflect contemporary living trends valued by many purchasers.

Maintaining these spaces through regular cleaning and seasonal updates is essential, as appraisers evaluate both condition and appeal during their assessment.

Cleanliness and Tidiness to Improve Curb Appeal in Your Neighbourhood

Though seemingly minor, cleanliness and tidiness significantly impact an appraiser’s first impression of your property. A well-maintained exterior demonstrates property care that can influence valuation.

Maintaining a neat front yard without excessive decorations or items allows appraisers to focus on your home’s actual features. Clean windows and freshly painted doors further enhance curb appeal, potentially contributing to higher appraised values.

Your attention to these details will likely yield benefits during the appraisal process.

Frequently Asked Questions

How Can I Enhance My Driveway’s Curb Appeal Before an Appraisal?

To improve driveway appeal before an appraisal, thoroughly clean the surface and repair any visible cracks or stains. Consider adding decorative borders or edging for visual interest. A well-maintained driveway creates positive first impressions for appraisers and potential buyers.

Do Seasonal Decorations Impact Curb Appeal?

Yes, tasteful seasonal decorations can enhance curb appeal. Select well-coordinated, appropriate decorative elements that draw attention and create a welcoming atmosphere. Maintain balance and avoid overcrowding for optimal effect.

How Much Does Landscaping Affect Home Value?

Landscaping significantly impacts home value. Well-maintained yards with thoughtfully selected plants and features substantially improve curb appeal, increasing property attractiveness to potential buyers. Investment in quality landscaping typically provides an excellent return when selling your home.

Are There Specific Plants That Appraisers Prefer?

Appraisers generally favour low-maintenance native plants suited to your region. Vibrant flowers and strategically placed shrubs enhance curb appeal and property attractiveness. Ensure your landscaping presents as tidy and inviting to create positive impressions during evaluation.

Making the Most of Your Property

Enhancing your home’s summer curb appeal creates a meaningful impact on appraiser impressions. Knowing how to improve your curb appeal—through landscaping maintenance, exterior condition, entryway presentation, and well-designed outdoor living spaces—helps showcase your property’s best features. Attention to cleanliness and overall tidiness demonstrates property care that resonates with appraisers. By addressing these key elements, you’ll not only attract potential buyers but also potentially increase your property’s appraised value. 

We’re proud to offer exceptional services for our clients. We tailor our appraisal reports to meet the requirements of each lender, providing accurate, timely and thorough valuations put together by our highly experienced professional team.

For more information or to schedule an appraisal, contact us today!

Sustainable Development Projects in British Columbia

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Sustainable Developments: Shaping British Columbia’s Future

British Columbia continues to lead Canada in sustainable innovation, reshaping how we build, live, and interact with our environment. Across the province, forward-thinking real estate and infrastructure projects are integrating green design, low-carbon technologies, and Indigenous partnerships to create communities that thrive both now and in the future.
From groundbreaking residential developments to neighbourhood-scale sustainability models, these projects show what’s possible when innovation meets environmental responsibility. At D. Fritz Appraisals, we’re seeing firsthand how these sustainable choices are beginning to shape real estate values and influence appraisal considerations across Vancouver Island and beyond.

1. Sen̓áḵw Development – Vancouver

The Sen̓áḵw Development is one of the most ambitious Indigenous-led urban developments in Canadian history. Located on Squamish Nation land near downtown Vancouver, this transformative project will deliver over 6,000 rental homes across 11 towers—some reaching up to 56 storeys—with approximately 1,200 units designated as affordable housing.
Designed with a strong focus on sustainability, Sen̓áḵw aims to be Canada’s first large-scale, net-zero operational carbon housing development. The project emphasizes dense, transit-oriented living and will include a new transit hub, nearly 4,500 bicycle stalls, and limited vehicle parking to encourage low-carbon transportation choices.

Image credit: Revery Architecture/Westbank/Squamish First Nation

Beyond energy efficiency and climate resilience, Sen̓áḵw represents a groundbreaking model of Indigenous economic development and land stewardship—proving that urban growth can align with cultural values and sustainability goals.

2. Dockside Green – Victoria

Dockside Green is one of the most recognized sustainable communities in North America. Located along Victoria’s Inner Harbour, it integrates LEED Platinum buildings, on-site wastewater treatment, a district energy system, and green roofs.
This long-term development also influences how sustainability factors are used in real estate evaluation. At D. Fritz Appraisals, we consider features like energy efficiency and location sustainability when assessing property value and long-term viability in emerging green neighbourhoods.

Image Courtesy of www.docksidegreen.com

3. Vienna House – Vancouver

Vienna House is a collaboration between the City of Vancouver and BC Housing that sets a new bar for affordable, sustainable housing. Built to Passive House standards using mass timber construction, the project dramatically reduces energy use while providing durable, long-lasting homes.
This model is setting new expectations for energy performance in multi-unit housing, an important consideration for appraisers evaluating similar future developments.

Photo Courtesy of ViennaHouse.ca

4. Evolve UBC – University Endowment Lands

Part of UBC’s Campus as a Living Lab initiative, Evolve is a Passive House, net-zero-ready development that provides housing for faculty and staff. Designed to cut operational emissions and support occupant well-being, the project uses advanced monitoring to track performance.

Image Courtesy of https://ubcproperties.com/project/evolve/

With increasing consumer and institutional demand for sustainable homes, developments like Evolve are shaping how the real estate industry, including real estate appraisers, understands the long-term market value of energy-efficient buildings.

5. Evergreen Terrace Redevelopment – Victoria

Victoria’s Evergreen Terrace Redevelopment (formerly BC Housing’s social housing site) is being reimagined as a mixed-income, sustainability-first community. It incorporates green design, increased density, and community-oriented planning.
As developments like this take shape, our appraisers work to capture the added value that sustainable design, improved livability, and walkability bring to urban residential spaces.

Image Courtesy of https://letstalkhousingbc.ca/victoria-evergreen-terrace

Making Smart Real Estate Decisions

At D. Fritz Appraisals, we understand that the real estate market is evolving, and sustainability is no longer just a bonus feature. Whether you’re buying, selling, or investing in a property, our expert appraisers take into account key factors like:

  • Energy efficiency and green certifications
  • Walkability and access to low-carbon transit
  • Sustainable building materials and design
  • Environmental resilience and long-term market appeal

By staying up to date on BC’s top sustainable developments, we help our clients make informed, future-focused real estate decisions across Vancouver Island and the Gulf Islands.

Frequently Asked Questions

What Makes British Columbia a Sustainability Leader?
BC’s leadership comes from its integration of green building policies, strong public support for climate action, and investment in long-term planning. Programs like CleanBC, the BC Energy Step Code, and municipal action plans make sustainability a cornerstone of development policy.

What Is the Most Innovative Sustainable Project in BC?
The Sen̓áḵw Development is among the most innovative—combining Indigenous leadership, clean energy, car-free living, and climate-smart design at a scale not seen elsewhere in Canada.

How Is Nature Integrated into BC’s Urban Planning?
Cities across BC are weaving nature into infrastructure through rain gardens, permeable pavements, green roofs, and urban forests. These features help manage water, cool cities, and create more livable communities.

Helping You Make the Right Investment

At D. Fritz Appraisals, we understand that buying, selling, or investing in real estate is one of life’s bigger decisions. That’s why we’re committed to providing you with the most accurate and reliable appraisal services across Victoria, lower Vancouver Island, and throughout the Gulf Islands.

As sustainability becomes a defining feature in the real estate market, having a clear understanding of how these innovations affect property values is more important than ever. Whether it’s a new net-zero home in a green neighbourhood or a commercial development prioritizing environmental performance, our team of certified appraisers brings over 40 years of local experience to help you assess real value—not just in the present but for the future.

If you’re looking to invest in Vancouver Island—home to some of the best places to live in BC—we’re here to support your decision-making with trusted insights and tailored evaluations. With our deep understanding of both traditional and evolving real estate factors, you can count on D. Fritz Appraisals to guide you confidently through BC’s dynamic property landscape.

Contact us today to get started—because smart decisions begin with the right appraisal.

search for rental suites in BC

Key Differences Between Legal and Illegal Rental Suites in BC

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Understanding the Difference Between Legal vs Illegal Suites

 

In British Columbia, legal rental suites comply with the Residential Tenancy Act, municipal zoning bylaws, and building codes, ensuring tenant safety and rights. In contrast, illegal suites often lack proper safety features and tenant protections. This can lead to significant risks for both tenants and landlords, including potential evictions and legal actions. Legalizing a suite offers benefits such as increased property value and rental income. Understanding these distinctions reveals more about the implications of each option.

 

Key Takeaways

  • Legal suites comply with the Residential Tenancy Act, ensuring tenant rights and safety standards are met.
  • Illegal suites often lack necessary permits and may not meet health and safety regulations, posing risks to tenants.
  • Tenants in illegal suites face potential eviction and lack legal protections, while landlords risk fines and legal repercussions.
  • Legalizing a rental suite enhances property value and provides both landlords and tenants with security and peace of mind.
  • Understanding local zoning bylaws and building codes is crucial for determining the legality of a rental suite in British Columbia.

 

Differences Between Legal and Illegal Suites

While both legal and illegal suites provide housing, their differences significantly impact tenants and landlords alike. Legal suites comply with local regulations, offering safety, proper zoning, and essential amenities. In contrast, illegal rental units often lack these standards, posing risks such as inadequate fire safety measures and insufficient living space.

 

Implications of Renting Illegal Suites

Renting illegal suites can lead to significant ramifications for both tenants and landlords. Tenants may face eviction, lack legal protections, and encounter safety hazards. For landlords, the risks include substantial penalties, loss of rental income, and damage to their reputation.

 

Benefits of Legalizing a Rental Suite

Legalizing a rental suite offers numerous advantages that benefit both landlords and tenants. For landlords, it enhances property value and ensures compliance with local regulations, leading to increased rental income and a stable tenant base. Tenants gain security and peace of mind, knowing their living situation is legitimate and safe.

 

Process for Legalizing an Existing Suite

To guarantee compliance with local regulations, property owners in British Columbia must follow a specific process for legalizing an existing rental suite. This includes reviewing zoning bylaws, obtaining necessary permits, and addressing safety concerns such as fire codes and egress requirements.

 

Community & Property Value Considerations

While property owners may focus on the immediate benefits of legalizing a rental suite, the broader implications for community and property values cannot be overlooked. Legal suites can enhance neighbourhood stability, attract diverse residents, and maintain property values.

 

Aspect Legal Suite Illegal Suite
Property Value Impact Generally increases value May decrease value
Community Stability Promotes stability Can contribute to instability
Safety Compliance Meets regulations Often lacks safety measures
Neighbourhood Appeal Enhances appeal Can detract from appeal

 

Frequently Asked Questions

How Can I Identify an Illegal Rental Suite in My Area?

  • To identify an illegal rental suite, check for proper permits, examine zoning regulations, observe building code compliance, and look for signs of unregistered tenants or suspicious modifications.

 

What Are the Penalties for Renting an Illegal Suite?

  • Penalties for renting an illegal suite can include fines, eviction orders, and potential legal action. Consequences may also extend to increased scrutiny from local authorities and impacts on property insurance.

 

How Can I Legalize an Existing Suite?

  • Review current zoning bylaws to ensure secondary suites are permitted
  • Obtain necessary building permits
  • Ensure the suite meets current BC Building Code requirements
  • Address any safety concerns, including fire codes and egress requirements
  • Pass inspections by local authorities

 

How Does Insurance Differ for Legal and Illegal Suites?

  • Insurance coverage typically varies between legal and illegal suites, with legal suites often enjoying extensive protection, while illegal suites may face limited coverage, exposing owners to financial risks.

 

Are There Zoning Laws Affecting Rental Suites in British Columbia?

  • Zoning laws in British Columbia regulate land use, including rental suites. These laws determine where suites can be constructed and how they must comply with safety and community standards.

 

Wrapping Up

Understanding the distinctions between legal and illegal rental suites in British Columbia is vital for both property owners and tenants. D. Fritz Appraisals Inc. provides comprehensive appraisal services to ensure compliance, enhance property value and contribute positively to the housing market. By recognizing the benefits of legalizing suites and considering community impacts, property owners can foster a safer and more equitable living environment for all.

For trusted, professional appraisal services in Victoria, BC, contact D. Fritz Appraisals Inc.

Home Appraisal FAQs Victoria

Residential Appraisals: Frequently Asked Questions

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Your Trusted Residential Appraisal Experts in Victoria, BC


At D. Fritz Appraisals Inc., we provide professional, accurate, and unbiased home appraisals in Victoria, BC, and surrounding areas. Whether you’re buying, selling, refinancing, or investing in real estate, a professional appraisal ensures you clearly understand your property’s market value. 

Our certified appraisers follow strict practices to deliver comprehensive and lender-approved appraisal reports. Below, we’ve answered common questions about home appraisals in British Columbia, helping you confidently navigate the process.

Why Should I Get an Appraisal?

Having your home appraised is essential for several reasons:

  • If you’re selling your home, an appraisal helps determine its fair market value, ensuring you list it at an appropriate price.
  • If you’re buying a home, an appraisal provides an unbiased estimate of the property’s value to ensure you pay a reasonable price.
  • If you’re renovating and refinancing, lenders require an appraisal to assess the current value of your home and its potential value post-renovation.
  • If you’re applying for a mortgage or home equity loan, banks and financial institutions require an appraisal to determine loan eligibility.

What Is the Process of an Appraisal?

An appraisal involves two key steps:

  1. Property Inspection – The appraiser inspects the home to verify:
  • Size, location, and number of rooms
  • Quality of construction and built-in features
  • Site improvements, views, and overall condition
  • Any deficiencies or areas needing repairs
  1. Appraisal Report Compilation – The appraiser then researches, analyzes, and combines data from various reliable sources to create an appraisal report.

    Planning on getting an appraisal? Check out our Pre-Appraisal Checklist for Homeowners.

How Does the Appraiser Determine a Property’s Value?

There are three recognized valuation approaches:

  • Direct Comparison Approach – The value is derived by analyzing recent sales of comparable properties and adjusting for differences.
  • Cost Approach – The value is calculated by estimating the cost to replace the land and improvements, subtracting depreciation for the dwelling’s age.
  • Income Approach (for rental properties) – This method assesses the property’s value based on projected rental income.

For a more complete look at what home appraisers look for, read our blog Home Appraisals – What Do They Look For?

What Affects the Value of My Property?

Several factors influence a home’s appraisal value, including:

  • Location – Desirability of the neighbourhood, proximity to amenities, schools, and transportation
  • Market Conditions – Supply and demand in the real estate market
  • Size and Layout – Square footage, number of bedrooms/bathrooms, and functional layout
  • Condition of the Property – Age, renovations, and maintenance
  • Zoning and Future Potential – Development possibilities and municipal zoning regulations

How Long Do Appraisals Take?

A standard residential appraisal in Victoria, BC, typically takes a few hours for the on-site inspection. The final report is usually completed within 24 to 72 hours, depending on complexity, property type, and market conditions.

How Are Houses Appraised?

Appraisals are conducted by licensed professionals following strict guidelines from the Appraisal Institute of Canada (AIC). The appraiser inspects the property, collects relevant data, and compares it to recent sales in the area to determine fair market value.

Who Pays for an Appraisal?

The homebuyer, homeowner, or lender requesting the appraisal is responsible for the fee. If an appraisal is required for a mortgage application, the lender may arrange it, but the borrower typically covers the cost. Note that in this situation, the borrower may not be entitled to see the appraisal as it was the lender who ordered the appraisal (even though the borrower was the one to pay for the appraisal). 

When Do Appraisals Happen?

Appraisals usually occur:

How Does an Appraisal Affect a Mortgage?

Mortgage lenders use an appraisal to determine loan approval and terms. If a home appraises for less than the purchase price, the buyer may need to:

  • Renegotiate with the seller
  • Increase the down payment
  • Secure additional financing

Do Homes Usually Appraise for the Selling Price?

Not always. While homes often appraise near the agreed-upon selling price, market fluctuations, overpricing, or differing buyer/seller expectations can result in a lower valuation. 

What Qualifications Does an Appraiser Have?

All our appraisers are members in good standing with the Appraisal Institute of Canada (AIC) and hold either:

  • Canadian Residential Appraiser (CRA) designation
  • Accredited Appraiser Canadian Institute (AACI) designation

Each appraiser undergoes extensive education and accreditation through the University of British Columbia Real Estate Division and holds professional liability insurance under Canadian Uniform Standards of Professional Appraisal Practice (CUSPAP).

Who Can See My Appraisal?

Appraisal reports are confidential and shared only with the original requestor (even if they weren’t the party to pay for the appraisal) unless authorized in writing to be released to another party.

Why Choose D. Fritz Appraisals Inc.?

  • Fast and efficient turnaround times
  • Approved by major banks, credit unions, and private lenders
  • Experienced appraisers following strict industry standards
  • Unbiased, professional residential appraisal services

We’re proud to offer exceptional services for our clients. We tailor our appraisal reports to meet the requirements of each lender, providing accurate, timely and thorough valuations put together by our highly educated professional team.

For more information or to schedule an appraisal, contact us today!