Real estate appraisal services for homeowners in the city of . and Riverside County
The top 7 reasons why CA homeowners call on Clark Lunde:
Own a home in or near ., CA and need help determining the price of it?
We at Clark Lunde understand the individual needs of a homeowner seeking appraisal services. Our business practices and reporting formats are familiar to our business clients like lenders, attorneys, and CPAs. Being a consumer that ordinarily doesn't see an appraisal every day,we'll be sure you get extra guidance and explanations through the appraisal process to understand what we do and how we present the results of our analysis.
Pre-listing Services/For Sale By Owner (FSBO)
It's very hard to be objective about your own home because you probably have an emotional attachment to it. The professional appraisers at Clark Lunde will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is very important as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic price to sell at so your house will attract many interested buyers. It's something concrete to show your buyer. It's an independent third party's opinion of your house's price, and not just you saying how much your house is worth. Interested buyers assume that you have an emotional attachment to your home and will be far more likely to give credibility to a seasoned appraiser's value estimation than yours.
Appraisals to remove PMI
An attractive way to cut costs for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan amount is below 80% of the value of your house, in most cases you can apply to the lender to have the PMI canceled from your loan, which will make your monthly payments go down. We are experienced in helping clients just like you rid themselves of unwanted and unneeded PMI insurance.
Challenge Tax Assessment
Your local tax assessor may have your home overvalued if your house is not appreciating as much as other houses close by. That only means you are paying more taxes than you should. The faster you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. When challenging your property tax assessment, getting an appraisal from Clark Lunde is your number one weapon.
HELOC recently frozen?
Even if your specific property has not declined in value, your lender may choose to automatically freeze your home equity line of credit (HELOC) if your property is in a declining area. This can be be destructive to your credit score since it may appear as though that credit line is maxed out, and also inopportune from a cash flow point of view. Clark Lunde can help you reinstate your home equity line of credit with an expert appraisal.
We Offer Field and Desktop Appraisal Review Services
Have you just gotten a copy of your appraisal and you'd prefer to have a seasoned expert double-check it for efficiency or do you need a second opinion without the cost 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're in a hurry, 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 in your possession. Even though this is usually requested by banks, you may desire to exploit this service if you suspect mortgage fraud related to your home.