Appraisal services for Temecula and Riverside County homeowners
Here are the top 7 reasons CA homeowners order from Stephanie L. Duffy Appraisal Services:
Need help deciding the price of your home in or near Temecula, CA?
At Stephanie L. Duffy Appraisal Services, we understand the particular needs of a customer after appraisal services. While our usual clients understand the appraisal process and standard reporting formats, you as a consumer will get extra customer service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.
Pre-listing Services/For Sale By Owner (FSBO)
It's very hard to be objective about your own home because you most likely have an emotional attachment to it. The professional appraisers at Stephanie L. Duffy Appraisal Services 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 interested buyers, a professional appraisal is a very valuable negotiating tool once you have a potential buyer. It gives you something tangible to show your buyer. An appraisal is an independent third party's opinion of your house's price -- not just how much you think your home is worth. Interested buyers assume that you have an emotional attachment to your house and will be more likely to give credibility to an expert appraiser's value judgement than yours.
Appraisals to cancel PMI
A preferred money saver for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan is below 80% of the value of your property, in most cases you can apply to the lender to have the PMI removed from your loan, which will make your monthly payments go down. At Stephanie L. Duffy Appraisal Services, we're experienced in helping homeowners just like you abolish unnecessary PMI insurance.
Challenge Tax Assessment
If you live in a local area that is declining or not appreciating as much as other houses nearby, your local tax assessor may have your house overvalued. That means you're paying more taxes than you should. The earlier you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. When contesting your property tax assessment, getting an expert appraisal from Stephanie L. Duffy Appraisal Services is your perfect weapon.
Was your HELOC recently frozen?
Your lender just might make the decision 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 be destructive to your credit score since it may appear as though that credit line is maxed out, and also difficult and inconvenient from a cash flow viewpoint. Stephanie L. Duffy Appraisal Services can provide you with an expert appraisal that will help you reinstate your HELOC.
We Also Offer Field and Desktop Appraisal Review Services
Would you like a second opinion without the expense and delay of waiting for a whole new appraisal? Or do you need a veteran appraiser to double-check your appraisal for precision? In a field review we will go out and check the subject and comparables. If you're in a hurry, we'll provide desk review and verify as many facts as we can using online data sources as well as our own files.
We can also provide a retrospective review of any appraisal you may have in your possession. While usually requested by banks, you may want to exercise this service if you suspect mortgage fraud related to your home.