Appraisal services for Davis and Yolo County homeowners
Check out the top seven reasons CA homeowners use Schlenker Appraisals:
Do you own a home in or near Davis? Do you need help deciding the value of your real estate?
At Schlenker Appraisals, we understand the particular needs of a consumer looking for appraisal services. While our usual clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of customer service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.
For Sale By Owner/Pre-Listing Services
Since you have an emotional attachment to your home, it's often very hard to be objective about it. Our professional appraisers at Schlenker Appraisals are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. In addition to helping you set a realistic selling price so your house will attract interested buyers, a professional appraisal is a crucial negotiating tool once you have an interested buyer. The appraisal is something tangible to show your buyer. It's an independent third party's opinion of your property's price, and not just how much you think your home is worth. Potential buyers know you have an emotional attachment to your home and will be more likely to give credibility to a professional appraiser's value assessment than yours.
Appraisals to cancel PMI
PMI stands for Private Mortgage Insurance. A preferred way to save money for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. 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 removed from your loan, which will make your monthly payments go down. Schlenker Appraisals is experienced in helping folks just like you remove unwanted and unneeded PMI insurance.
Challenge a property tax assessment
If you live in a region that is declining or is not appreciating as much as other houses close to yours, your local tax assessor may have your house overvalued. This means you're most likely paying higher taxes than you should be paying. The sooner you take care of things like this, the better, since your property assessment may likely go up again in the next period. Getting an appraisal from Schlenker Appraisals is your number one weapon when contesting your property tax assessment.
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 house is near a declining area. This can be be bad for your credit score since it may appear as though that credit line is maxed out, and also inconvenient from a cash flow standpoint. An expert appraisal from Schlenker Appraisals can help you reinstate your HELOC.
Field and Desktop Appraisal Review Services
Have you just been handed a copy of your appraisal and you would wish to have a professional double-check it for preciseness or do you need a second opinion without the charge and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in question in a field review. If you're 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.
We can also provide a retrospective review of any appraisal report you may have in your possession. Even though this is typically requested by banks, you may need to take advantage of this service if you suspect mortgage fraud related to your house.