Real estate appraisal services for homeowners in the city of Discovery Bay and Contra Costa County
Here are the top reasons CA homeowners hire Karen Mann & Associates - Appraisal and Expert Witness Services:
Do you own a home in or near Discovery Bay? Do you need help determining the price of your real estate?
At Karen Mann & Associates - Appraisal and Expert Witness Services, we understand the unique needs of a consumer after appraisal services. Our business practices and reporting formats are familiar to our business clients like lenders, lawyers, and CPAs. As our valued client, we'll be sure you get 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 Services
It's very hard to be objective about your own house because you probably have an emotional attachment to it. Our professional appraisers at Karen Mann & Associates - Appraisal and Expert Witness Services are objective. We won't just tell you what you want to hear, we will tell you what you need to know. A professional appraisal is very valuable as a negotiating tool once you have a potential buyer, in addition to helping you set a realistic selling price so your property will attract buyers. The appraisal is something concrete 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 assume you have an emotional attachment to your home and will be far more likely to give credibility to an accomplished appraiser's value conclusion than yours.
Appraisals to cancel PMI
PMI stands for Private Mortgage Insurance. An attractive 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 less than 80% of the value of your home, in most cases you can apply to a lender to have the PMI canceled from your loan, which will make your monthly payments go down. We are qualified in helping homeowners just like you dismiss unnecessary PMI insurance.
Challenge Contra Costa county's assessment of your property
Lets say you live in a local area that's going down -- your local tax assessor may have your house overvalued. This means you are going to pay higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the faster you take care of a matter like this, the better off you'll be. A professional appraisal from Karen Mann & Associates - Appraisal and Expert Witness Services is your best weapon when challenging your property tax assessment.
HELOC recently frozen?
Your lender might make the decision 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. Not only can this be annoying from a cash flow point of view, but it can be detrimental to your credit score since it may appear as though that credit line is maxed out. Karen Mann & Associates - Appraisal and Expert Witness Services can help you reinstate your home equity line of credit with an expert appraisal.
Field and Desktop Appraisal Review Services
Would you wish a second opinion without the added cost and delay of waiting for a whole new appraisal? Or do you desire a seasoned appraiser to double-check your appraisal for efficiency? An appraiser from Karen Mann & Associates - Appraisal and Expert Witness Services can go out and check the subject and comparables 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 you with a a retrospective review of any appraisal report you may have had done before. Even though this is typically requested by banks, you may wish to employ this service if you suspect mortgage fraud related to your house.