At SAVERY APPRAISAL SERVICES, we understand the special needs of a homeowner in need of appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra 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 (FSBO) / Pre-Listing Services
Since you have an emotional attachment to your home, it's often very hard to be objective about it. The professional appraisers at SAVERY APPRAISAL SERVICES will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic selling price so your house will attract interested buyers, a professional appraisal is very crucial as a negotiating tool once you have a potential buyer. It gives you something tangible to show the buyer. An appraisal is an independent third party's opinion of your house's value -- not just you saying how much you think your house is worth. Interested buyers know that you have an emotional attachment to your house and will be more likely to give credibility to a seasoned appraiser's value report than yours.
Challenging a property tax assessment
Your local tax assessor may have your house overvalued if you live in an area that's declining or is not appreciating as much as other homes close to yours. This means you're going to pay 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. When contesting your property tax assessment, getting an expert appraisal from SAVERY APPRAISAL SERVICES is your number one weapon.
Appraisals to remove PMI
PMI stands for Private Mortgage Insurance. A preferred money saver for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan is below 80% of the value of your house. In most cases you can apply to a lender to have the PMI removed from your loan. SAVERY APPRAISAL SERVICES is seasoned in helping customers just like you delete unneeded and unwanted PMI insurance.
Recently got a freeze to your HELOC?
Even if your specific property has not declined in value, your lender just might decide to automatically freeze your home equity line of credit (HELOC) if your property is in or near a declining area. This can be unfavorable to your credit score since it may appear as though that credit line is maxed out, and also difficult from a cash flow viewpoint. SAVERY APPRAISAL SERVICES can help you reinstate your HELOC.
We Provide Field and Desktop Appraisal Review Services
Have you just received a copy of your appraisal and you'd prefer to have a professional double-check it for precision or do you need a second opinion without the expense and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables in question in a field review. Or, if you need it immediately, we can provide 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? We can assist you. Although most appraisal reviews are commissioned by lenders for quality control, homeowners that have reason to believe they've been the victim of mortgage fraud are wise to get a second opinion.
SAVERY APPRAISAL SERVICES 1485 Jeanette Street Lindsay, CA 93247
