Attention homeowners: Real estate appraisal services for in San Jose and Santa Clara County
The top 7 reasons why CA homeowners hire City Appraisal Services:
Do you own a house in or near San Jose? Do you need help deciding the price of your real estate?
At City Appraisal Services, we understand the unique needs of a homeowner after appraisal services. Our usual business clients understand the appraisal process and the usual "products" we deliver to them. But as a general consumer,we'll be sure you get extra guidance and explanations through the appraisal process to understand what we do and how we document our findings.
For Sale By Owner/Pre-Listing Services
Since you have an emotional attachment to your house, it's often very hard to be objective about it. Professional appraisers, like the ones at City Appraisal Services, will be objective. We'll tell you what you need to know, not just what you want to hear. A professional appraisal is very valuable as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic selling price so your home will attract many interested buyers. It gives you something tangible to show your buyer. An appraisal is an independent third party's opinion of your home's price -- not just you saying how much your home is worth. Interested buyers know that you have an emotional attachment to your home and will be more likely to give credibility to a qualified appraiser's value opinion than yours.
Need to cancel PMI?
PMI stands for Private Mortgage Insurance. A preferred way to cut expenses for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan is down below 80% of the value of your house. In most cases you can apply to a lender to have the PMI canceled from your loan. We are veterans in helping homeowners just like you dismiss unneeded and unwanted PMI insurance.
Challenging a property tax assessment
If you live in a local area that is going down or is not appreciating as much as other houses nearby, your local tax assessor may have your house overvalued. That only means you are paying more taxes than you should. The quicker you take care of things like this, the better, since your property assessment may likely go up again in the next period. Getting an appraisal from City Appraisal Services is your strongest weapon when challenging your property tax assessment.
Was your HELOC recently frozen?
Even if your specific property has not declined in value, your lender just might choose to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area. Not only can this be unsuitable from a cash flow point of view, but it can be unfavorable to your credit score since it may appear as though that credit line is maxed out. A professional appraisal from City Appraisal Services can help you reinstate your HELOC.
We Also Provide Field and Desktop Appraisal Review Services
Have you just accepted a copy of your appraisal and you would wish to have a seasoned expert double-check it for accuracy or do you want a second opinion without the cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in a field review. Or, if you need it 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.
We can also provide you with a a retrospective review of any appraisal you may have had in the past. While typically requested by banks, you may want to use this service if you suspect mortgage fraud related to your property.