Attention homeowners in Stockton and San Joaquin County: Get an Appraisal today!
See the top reasons California homeowners call on Andersen Appraisal:
At Andersen Appraisal, we understand the particular needs of a consumer in need of appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like lenders, lawyers, and accountants. Being a consumer that probably doesn't see an appraisal every day, we will provide you with extra guidance and explanations through the appraisal process to better understand what we do and how we report the results of our analysis.
For Sale by Owner (FSBO)/Pre-Listing ServicesSince you have an emotional attachment to your own home, it's often very hard to be objective about it. The professional appraisers at Andersen Appraisal will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is a very valuable negotiating tool once you have a likely buyer, in addition to helping you set a realistic price to sell at so your house will attract buyers. The appraisal is something tangible to show the buyer. The appraisal is an independent third party's opinion of your property's value, not just you saying how much you think your home is worth. Interested buyers know you have an emotional attachment to your home and will be much more likely to give credibility to an expert appraiser's value opinion than yours.
Challenging San Joaquin County's assessment of your propertyIf you live in an area that is going down or not appreciating as much as other houses close to yours, your local tax assessor may have your house overvalued. That only means you are going to pay more taxes than you should. Since your property assessment may likely go up again in the next period, the quicker you take care of a matter like this, the better off you'll be. Getting an expert appraisal from Andersen Appraisal is your #1 weapon when contesting your property tax assessment.
PMI Removal AppraisalsPMI stands for Private Mortgage Insurance. An attractive money saver for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan amount is below 80% of the value of your house. In most cases you can apply to the lender to have the PMI eliminated from your loan. At Andersen Appraisal, we're veterans in helping folks just like you rid yourselves of unneeded and unwanted PMI insurance.
Was your HELOC recently frozen?Your lender may just decide to automatically freeze your home equity line of credit (HELOC) if your home is near a declining area -- even if your specific property has not declined in value. This can be difficult and inconvenient from a cash flow angle, and damaging to your credit score since it may appear as though that credit line is maxed out. Andersen Appraisal can provide you with efficient appraisal that will help you reinstate your home equity line of credit.
Field and Desktop Appraisal Review ServicesDo you need a veteran appraiser to double-check your appraisal for efficiency, or do you need 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. Or, if you need it immediately, 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 report? Andersen Appraisal can help you with that. Even though most review work is commissioned by lenders, homeowners that have reason to believe they've been the victim of mortgage fraud are wise to invest in a second opinion.