Real estate appraisal services for homeowners in the city of Fresno and Fresno County
The top 7 reasons why CA homeowners need 1 Hour Appraisal:
Own a home in or near Fresno, CA and need help determining the price of it?
At 1 Hour Appraisal, we understand the special needs of a customer seeking appraisal services. While our typical business 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 (FSBO) / Pre-Listing Services
It's very hard to be objective about your own home 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. A professional appraisal is very valuable as a negotiating tool once you have a potential buyer, in addition to helping you set a realistic price to sell at so your property will attract interested buyers. It's something tangible to show the buyer. The appraisal is an independent third party's opinion of your property's value, not just you saying how much your house is worth. Potential buyers assume you have an emotional attachment to your house and will be much more likely to give credibility to a seasoned appraiser's value assessment than yours.
Appraisals to cancel PMI
An attractive money saver for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan is below 80% of the value of your property, in most cases you can apply to the lender to have the PMI eliminated from your loan, which will make your monthly payments go down. We are seasoned in helping homeowners just like you rid yourselves of undesirable PMI insurance.
Challenging property tax assessments
If you live in a region that is going down or not appreciating as much as other properties close by, your local tax assessor may have your home overvalued. That only means you are most likely paying more taxes than you should. Since your property assessment may likely go up again in the next period, the faster you take care of things like this, the better off you'll be. A professional appraisal from 1 Hour Appraisal is your chief weapon when contesting your property tax assessment.
Was your HELOC recently frozen?
If your property is close to a declining area, your lender may make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be bad for your credit score since it may appear as though that credit line is maxed out, and also troublesome from a cash flow viewpoint. An appraisal from 1 Hour Appraisal can help you reinstate your HELOC.
Field and Desktop Appraisal Review Services
Do you need a veteran appraiser to double-check your appraisal for efficiency, or do you want a second opinion without the added cost and delay of waiting for a whole new appraisal? An appraiser from 1 Hour Appraisal can go out and check the subject and comps in question in a field review. If you need it immediately, we'll 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. While typically requested by banks, you may wish to take advantage of this service if you suspect mortgage fraud related to your property.