Appraisal services for San Francisco and Marin County homeowners
The top seven reasons California homeowners call on R Cohen Appraisal:
- To get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
- To challenge a property tax assessment in California
- To lower their mortgage payments by removing PMI
- Reinstate your Home Equity Line of Credit (HELOC)
- To review another appraiser's report for verification
- In the case of a divorce in the state of California, where real estate property needs to be divided
- To settle an estate in California by determining the true market value of the real estate in question
We at R Cohen Appraisal understand the unique needs of a homeowner after appraisal services. Our typical business clients get the appraisal process and the standard documents we provide. As our non-traditional client, you will receive extra guidance and explanations through the appraisal process to more fully understand what we do and how we document our findings.
For Sale by Owner/Pre-Listing ServicesSince you have an emotional attachment to your home, it's often very hard to be objective about it. The professional appraisers at R Cohen 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 important negotiating tool once you have an interested buyer, in addition to helping you set a realistic price to sell at so your property will attract many interested buyers. The appraisal is something tangible to show your buyer. An appraisal is an independent third party's opinion of your house's value -- not just you saying how much you think your home is worth. Potential buyers know you have an emotional attachment to your house and will be far more likely to give credibility to a seasoned appraiser's value judgement than yours.
Challenge the County's assessment of your propertyYour local tax assessor may have your house overvalued if you live in a region that is going down or not appreciating as much as other homes nearby. This only means you're most likely paying higher taxes than you should be paying. The quicker 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. A professional appraisal from R Cohen Appraisal is your #1 weapon when challenging your property tax assessment.
Appraisals to remove PMIA popular way to save money 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 amount is down below 80% of the value of your property, in most cases you can apply to the lender to have the PMI eliminated from your loan, which will make your monthly payments go down. We are experts in helping folks just like you remove unneeded PMI insurance.
HELOC recently frozen?Your lender just may choose 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. Not only can this be inconvenient from a cash flow standpoint, but it can be destructive to your credit score since it may appear as though that credit line is maxed out. An expert appraisal from R Cohen Appraisal can help you reinstate your HELOC.
Field and Desktop Appraisal Review ServicesDo you need a professional to double-check your appraisal for preciseness, or do you want a second opinion without the charge and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comparables in question. 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.
Do you need a retrospective review of an appraisal report? We can help with that too. Even though most review work is commissioned by lenders, homeowners suspecting a prior appraisal wasn't above board are prudent to invest in a second opinion.
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