|
|
Attention homeowners in Auburn and Placer County: Need an appraisal?
Here are the top 7 reasons California homeowners order from Appraisal Options:
- Get a pre-listing appraisal (whether they're selling the home on their own or using an agent)
- Challenge property tax assessments
-
To reduce a monthly mortgage payment by removing PMI
-
To reinstate your Home Equity Line of Credit (HELOC)
-
Review another appraiser's report for verification
-
In the case of a divorce in the state of California, when real estate needs to be divided
-
Settle an estate in California by determining the true market value of a property
At Appraisal Options, we understand the unique needs of a homeowner in need of appraisal services.
While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of customer service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.
For Sale by Owner (FSBO)/Pre-Listing Services
It's very hard to be objective about your house because you probably have an emotional attachment to it.
The professional appraisers at Appraisal Options will tell you what you need to know -- not just what you want to hear. We are objective.
In addition to helping you set a realistic selling price so your home will attract buyers, a professional appraisal is a very important negotiating tool once you have a potential buyer.
It gives you something tangible to show your buyer.
The appraisal is an independent third party's opinion of your house's value, not just you saying how much you think your house is worth.
Interested buyers know that you have an emotional attachment to your house and will be far more likely to give credibility to an expert appraiser's value estimation than yours.
Challenge a property tax assessment
Your local tax assessor may have your house overvalued if your house not appreciating as much as other properties nearby.
This only means you're paying higher taxes than you should be paying.
Since your property assessment may likely go up again in the next period, the faster you take care of things like this, the better.
An appraisal from Appraisal Options is your #1 weapon when contesting your property tax assessment.
Need to remove PMI?
PMI stands for Private Mortgage Insurance. A popular way to save money for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments.
Your monthly payments will go down once your mortgage loan amount is less than 80% of the value of your home. In most cases you can apply to a lender to have the PMI eliminated from your loan.
Appraisal Options is qualified in helping consumers just like you abolish unneeded and unwanted PMI insurance.
HELOC recently frozen?
Your lender might just choose to automatically freeze your home equity line of credit (HELOC) if your home is in or near a declining area -- even if your specific property has not declined in value.
This can be inopportune from a cash flow angle, and unfavorable to your credit score since it may appear as though that credit line is maxed out.
Appraisal Options can help you reinstate your home equity line of credit with a professional appraisal.
Do You Need Field and Desktop Appraisal Review Services?
Do you need a seasoned expert to double-check your appraisal for preciseness, or do you desire a second opinion without the cost and delay of waiting for a whole new appraisal?
In a field review we will go out and check the subject and comparables in question.
Or, if you're in a rush, we can provide you with a desk review and verify as many facts as we can, using online data sources as well as our own files.
Do you need a retrospective review of an appraisal? We can help with that too.
Even though most review work is commissioned by lenders, homeowners that have reason to believe a prior appraisal wasn't above board are wise to get a second opinion.
|
|
