Real estate appraisal services for homeowners in the city of Ferndale and Humboldt CountyThe top 7 reasons California homeowners call on Fuller Appraisals:
At Fuller Appraisals, we understand the particular needs of a consumer after appraisal services. Our regular business clients understand the appraisal process and the standard reporting formats. But as a general consumer, we will give you extra guidance and explanations through the appraisal process to more fully understand what we do and how we document our conclusions. Pre-listing Services/For Sale by OwnerSince you have an emotional attachment to your house, it's often very hard to be objective about it. A professional appraiser is objective and will 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 a likely buyer, in addition to helping you set a realistic selling price so your house will attract buyers. It gives you something concrete to show the buyer. An appraisal is an independent third party's opinion of your property's value -- not just how much you think your home is worth. Potential buyers know you have an emotional attachment to your home and will be far more likely to give credibility to an experienced appraiser's value estimation than yours.Challenge Humboldt County's assessment of your propertyLet's say you live in a local area that's declining -- your local tax assessor may have your house overvalued. That means you're paying more taxes than you should. Since your property assessment may likely go up again in the next period, the earlier you take care of things like this, the better off you'll be. A professional appraisal from Fuller Appraisals is your chief weapon when contesting your property tax assessment.Need to remove PMI?Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a preferred money saver for homeowners. Once your mortgage loan 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 veterans in helping folks just like you rid yourselves of unnecessary PMI insurance.HELOC recently frozen?Your lender might just decide to automatically freeze your home equity line of credit (HELOC) if your home is in a declining area -- even if your specific property has not declined in value. This can be detrimental to your credit score since it may appear as though that credit line is maxed out, and also disadvantageous from a cash flow standpoint. Fuller Appraisals can help you reinstate your home equity line of credit with a professional appraisal.Need Field and Desktop Appraisal Review Services?Do you need a seasoned appraiser to double-check your appraisal for accuracy, or do you need a second opinion without the added cost and delay of waiting for a whole new appraisal? An appraiser from Fuller Appraisals can go out and check the subject and comps in a field review. Or, if you need it in a rush, we can 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 a retrospective review of any appraisal you may have had done before. Even though most appraisal reviews are requested by lenders for quality control, homeowners that have reason to believe they've been the victim of mortgage fraud are wise to invest in a second opinion. |
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