Attention homeowners: Real estate appraisal services for in Roseville and Placer County
Here are the top 7 reasons why CA homeowners use Kathleen Westoby Berengue, CRA:
Do you own a home in or near Roseville? Do you need help determining the price of your real estate?
At Kathleen Westoby Berengue, CRA, we understand the particular needs of a customer in need of appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like lenders, attorneys, and accountants. But as a consumer,you will receive extra guidance and explanations through the appraisal process to understand what we do and how we document the results of our analysis.
For Sale By Owner/Pre-Listing Services
It's very hard to be objective about your home because of your emotional attachment to it. Professional appraisers, like the ones at Kathleen Westoby Berengue, CRA, will be objective. We'll tell you what you need to know, not just what you want to hear. A professional appraisal is a very important negotiating tool once you have an interested buyer, in addition to helping you set a realistic selling price so your property will attract interested buyers. It's something tangible to show the buyer. The appraisal is an independent third party's opinion of your property's value, not just you saying how much you think your home is worth. Potential buyers assume you have an emotional attachment to your house and will be more likely to give credibility to a qualified appraiser's value opinion than yours.
Appraisals to remove PMI
Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is an attractive way to cut expenses for homeowners. Once your mortgage loan is less than 80% of the value of your property, 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. Kathleen Westoby Berengue, CRA is experienced in helping consumers just like you do away with unneeded and unwanted PMI insurance.
Challenging a property tax assessment
If you live in a local area that is declining or is not appreciating as much as other houses close by, your local tax assessor may have your house overvalued. This only means you're probably 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 a matter like this, the better off you'll be. When contesting your property tax assessment, getting a professional appraisal from Kathleen Westoby Berengue, CRA is your best weapon.
Was your HELOC recently frozen?
Even if your specific property has not declined in value, your lender may make the decision to automatically freeze your home equity line of credit (HELOC) if your property is close to a declining area. This can this be inconvenient from a cash flow viewpoint, and harmful to your credit score since it may appear as though that credit line is maxed out. Kathleen Westoby Berengue, CRA can help you reinstate your home equity line of credit with an expert appraisal.
Need Field and Desktop Appraisal Review Services?
Do you need a seasoned professional to double-check your appraisal for efficiency, or do you desire a second opinion without the cost 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're in a rush, we can 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? Kathleen Westoby Berengue, CRA can We can assist you. While usually requested by banks, you may wish to make use of this service if you suspect mortgage fraud related to your property.