Attention homeowners in South San Francisco and San Mateo County: Get an Appraisal today!
The top reasons California homeowners hire JS Appraisal:
We at JS Appraisal understand the particular needs of a homeowner after appraisal services. While our typical business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra 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 ServicesSince you have an emotional attachment to your own house, it's often very hard to be objective about it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. 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 interested buyers. The appraisal is something concrete to show the buyer. An appraisal is an independent third party's opinion of your property's value -- not just how much you think your house is worth. Potential buyers know that you have an emotional attachment to your house and will be much more likely to give credibility to an experienced appraiser's value judgement than yours.
Challenging San Mateo County's assessment of your propertyLet's say your home is not appreciating as much as other homes nearby -- your local tax assessor may have your house overvalued. That means you're 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 a professional appraisal from JS Appraisal is your number one weapon when challenging your property tax assessment.
PMI Removal AppraisalsPMI 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. Once your mortgage loan amount is less than 80% of the value of your property, in most cases you can apply to a lender to have the PMI removed from your loan, which will make your monthly payments go down. At JS Appraisal, we're veterans in helping homeowners just like you remove unwanted and unneeded PMI insurance.
HELOC recently frozen?Even if your specific property has not declined in value, your lender just may make the decision to automatically freeze your home equity line of credit (HELOC) if your home is in or near a declining area. Not only can this be troublesome from a cash flow standpoint, but it can be unfavorable to your credit score since it may appear as though that credit line is maxed out. JS Appraisal can help you reinstate your HELOC.
We Provide Field and Desktop Appraisal Review ServicesDo you need a seasoned appraiser to double-check your appraisal for verity, or do you want a second opinion without the expense and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables in a field review. Or, if you need it ASAP, we can 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 you with a retrospective review of any appraisal you may have in your possession. While usually requested by banks, you may want to take advantage of this service if you suspect mortgage fraud related to your house.