Attention homeowners in Menifee and Riverside County: Get an Appraisal today!
The top seven reasons why CA homeowners use Charles Keim''s Appraisal Services:
Do you own a home in or near Menifee? Do you need help determining the value of your real estate?
We at Charles Keim''s Appraisal Services understand the special needs of a homeowner after appraisal services. The appraisal process and reporting formats are familiar to our business clients like lenders, lawyers, and CPAs. Being a homeowner that probably doesn't see an appraisal on a regular basis,we'll be sure you get extra guidance and explanations through the appraisal process to understand what we do and how we report our findings.
For Sale By Owner (FSBO)/Pre-Listing Services
It's very hard to be objective about your own house because you most likely have an emotional attachment to it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic price to sell at so your property will attract interested buyers, a professional appraisal is a very important negotiating tool once you have an attainable buyer. The appraisal is something tangible to show the buyer. The appraisal is an independent third party's opinion of your house's price, not just you saying how much your home is worth. Interested buyers assume you have an emotional attachment to your home and will be far more likely to give credibility to a qualified appraiser's value estimation than yours.
Need to cancel PMI?
PMI stands for Private Mortgage Insurance. A preferred money saver for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount is down below 80% of the value of your house, 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. Charles Keim''s Appraisal Services is seasoned in helping homeowners just like you get rid of unwanted and unneeded PMI insurance.
Challenge property tax assessments
Lets say your home is not appreciating as much as other houses nearby -- your local tax assessor may have your house overvalued. This only means you're paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the earlier you take care of things like this, the better. When challenging your property tax assessment, getting an appraisal report from Charles Keim''s Appraisal Services is your best weapon.
Was your HELOC recently frozen?
Even if your specific property has not declined in value, your lender may just choose to automatically freeze your home equity line of credit (HELOC) if your property is in or near a declining area. Not only can this be difficult and inconvenient from a cash flow standpoint, but it can be bad for your credit score since it may appear as though that credit line is maxed out. Charles Keim''s Appraisal Services can help you reinstate your home equity line of credit with efficient appraisal.
Field and Desktop Appraisal Review Services
Do you need a seasoned appraiser to double-check your appraisal for efficiency, or do you need a second opinion without the added cost and delay of waiting for a whole new appraisal? An appraiser from Charles Keim''s Appraisal Services 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 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 report you may have had in the past. Even though this is typically requested by banks, you may need to utilize this service if you suspect mortgage fraud related to your house.