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Appraisal services for Apple Valley and San Bernardino County homeowners
Here are the top 7 reasons California homeowners hire Kelly Appraisal Service:
- To get a pre-listing appraisal (whether they're selling the home on their own or using a real estate agent)
- To challenge a property tax assessment in California
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To cut a mortgage payment by removing PMI
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Reinstate your Home Equity Line of Credit (HELOC)
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Verify another appraiser's report
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If real estate property needs to be divided because of a divorce
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Determine the true market value of the real estate in question to settle an estate
We at Kelly Appraisal Service understand the special needs of a consumer seeking appraisal services.
The appraisal process and reporting formats are relatively routine to our business clients like lenders, lawyers, and CPAs. As our client, we will give you extra guidance and explanations through the appraisal process to more clearly understand what we do and how we document our findings.
For Sale by Owner (FSBO)/Pre-Listing Services
Since you have an emotional attachment to your own home, it's often very hard to be objective about it.
The professional appraisers at Kelly Appraisal Service will tell you what you need to know -- not just what you want to hear. We are objective.
A professional appraisal is very crucial as a negotiating tool once you have an attainable buyer, in addition to helping you set a realistic selling price so your property will attract many interested buyers.
It's something concrete to show the buyer.
An appraisal is an independent third party's opinion of your property's value -- not just you saying how much your home is worth.
Potential buyers know that you have an emotional attachment to your home and will be far more likely to give credibility to a professional appraiser's value estimation than yours.
Challenging San Bernardino County's assessment of your property
If you live in an area that is declining or is not appreciating as much as other homes nearby, your local tax assessor may have your house overvalued.
That only means you're paying more taxes than you should.
The earlier you take care of things 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 a professional appraisal from Kelly Appraisal Service is your #1 weapon.
Need to cancel PMI?
A preferred way to cut costs for homeowners is getting 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 home, in most cases you can apply to your lender to have the PMI removed from your loan, which will make your monthly payments go down.
Kelly Appraisal Service is seasoned in helping clients just like you abolish unnecessary PMI insurance.
HELOC recently frozen?
If your property is near a declining area, your lender might just choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value.
This can be destructive to your credit score since it may appear as though that credit line is maxed out, and also inconvenient from a cash flow point of view.
Kelly Appraisal Service can help you reinstate your HELOC.
Need Field and Desktop Appraisal Review Services?
Do you need an expert to double-check your appraisal for verity, or do you need a second opinion without the expense and delay of waiting for a whole new appraisal?
We can go out and check the subject and comps in question in a field review.
If you need it in a rush, we'll 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 retrospective review of any appraisal you may have in your possession.
Even though most review work is commissioned by lenders for quality control, homeowners suspecting they've been the victim of mortgage fraud are prudent to invest in a second opinion.
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