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Attention homeowners in Riverside and Riverside County: Need an appraisal?
Here are the top 7 reasons why California homeowners use Sandra Koutsopoulos:
- Get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
- Challenge Riverside County's assessment of your property
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Remove PMI to cut your mortgage payment
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To reinstate your Home Equity Line of Credit (or HELOC)
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To review another appraiser's report for verification
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In the case of a divorce in the state of California, where property needs to be divided
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Determine the true market value of the real estate in question to settle an estate in Riverside county or California
We at Sandra Koutsopoulos understand the special needs of a consumer seeking appraisal services.
While our usual clients understand the appraisal process and standard reporting formats, you as a consumer will get extra 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
It's very hard to be objective about your house because of your emotional attachment to it.
A professional appraiser is objective and will tell you what you need to know, not just what you want to hear.
In addition to helping you set a realistic price to sell at so your property will attract many interested buyers, a professional appraisal is very important as a negotiating tool once you have a likely buyer.
The appraisal is something concrete to show your buyer.
The appraisal is an independent third party's opinion of your property's value, not just how much you think your house is worth.
Interested buyers know that you have an emotional attachment to your house and will be much more likely to give credibility to a professional appraiser's value judgement than yours.
Challenge Riverside County's assessment of your property
If you live in a local area that is going down or is not appreciating as much as other properties close by, your local tax assessor may have your home overvalued.
This means you're probably paying higher taxes than you should be paying.
The earlier you take care of things 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 report from Sandra Koutsopoulos is your best weapon.
Appraisals to remove PMI
Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a preferred way to save money for homeowners.
Your monthly payments will go down once your mortgage loan amount is less than 80% of the value of your home. In most cases you can apply to the lender to have the PMI canceled from your loan.
Sandra Koutsopoulos is qualified in helping people just like you delete unneeded and unwanted PMI insurance.
HELOC recently frozen?
If your property is near a declining area, your lender might just decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value.
This can be disadvantageous from a cash flow viewpoint, and destructive to your credit score since it may appear as though that credit line is maxed out.
Sandra Koutsopoulos can provide you with efficient appraisal to help you reinstate your home equity line of credit.
Need Field and Desktop Appraisal Review Services?
Do you need a seasoned expert to double-check your appraisal for verity, or do you want 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 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 in your possession.
Even though most review work is commissioned by lenders, homeowners that have reason to believe a prior appraisal wasn't above board are wise to get a second opinion.
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