Appraisal services for the Central Valley to the Sierra's homeowners

Here are the top seven reasons why California homeowners call on Appraisal And You:

Pre-listing appraisals (whether they're selling the home themselves or using an agent)
Challenge Merced County's assessment of your property value
To reduce a monthly mortgage payment by removing PMI
To reinstate their Home Equity Line of Credit (or HELOC)
Verify another appraiser's report
If property needs to be divided because of a divorce
Determine the true market value of the property in question to settle an estate


	Need help deciding the value of your house in or near Merced, California? Contact Appraisal And You.

At Appraisal And You, we understand the particular needs of a customer looking for appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like lenders, attorneys, and accountants. As our 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 (FSBO)/Pre-Listing Services

It's very hard to be objective about your own house because of your 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 selling price so your home will attract many interested buyers, a professional appraisal is a very important negotiating tool once you have an interested buyer. The appraisal is something tangible to show the buyer. An appraisal is an independent third party's opinion of your property's value -- not just how much your house is worth. Interested buyers assume that you have an emotional attachment to your home and will be more likely to give credibility to an accomplished appraiser's value estimation than yours.

Challenge Merced County's assessment of your property

Let's say you live in a region that's declining -- your local tax assessor may have your home overvalued. That only means you're most likely paying more taxes than you should. Since your property assessment may likely go up again in the next period, the faster you take care of things like this, the better. Getting an appraisal report from Appraisal And You is your strongest weapon when contesting your property tax assessment.

Need to remove PMI?

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a popular way to cut expenses for homeowners. Once your mortgage loan is less than 80% of the value of your home, in most cases you can apply to your lender to have the PMI canceled from your loan, which will make your monthly payments go down. At Appraisal And You, we're experts in helping folks just like you abolish unneeded PMI insurance.

Recently got a freeze to your HELOC?

Your lender just may choose to automatically freeze your home equity line of credit (HELOC) if your property is near a declining area -- even if your specific property has not declined in value. This can be annoying from a cash flow standpoint, and bad for your credit score since it may appear as though that credit line is maxed out. Appraisal And You can provide you with an expert appraisal that will help you reinstate your HELOC.

We Also Provide Field and Desktop Appraisal Review Services

Have you just received a copy of your appraisal and you would wish to have an expert double-check it for accuracy or do you desire a second opinion without the charge and delay of waiting for a whole new appraisal? An appraiser from Appraisal And You can go out and check the subject and comps in question in a field review. If you're in a hurry, 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. While typically requested by banks, you may wish to utilize this service if you suspect mortgage fraud related to your house.