Real estate appraisal services for homeowners in the city of Hollister and San Benito County
Here are the top reasons California homeowners order from Cullinan Appraisal & Realty:
At Cullinan Appraisal & Realty, we understand the individual needs of a consumer looking for appraisal services. Our customary business clients are used to the appraisal process and the customary reporting formats. As our valued client, we will give you extra guidance and explanations through the appraisal process to better understand what we do and how we document our conclusions.
For Sale by Owner/Pre-Listing ServicesSince you have an emotional attachment to your home, it's often very hard to be objective about it. Professional appraisers, like the ones at Cullinan Appraisal & Realty, are objective. We will tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic selling price so your house will attract interested buyers, a professional appraisal is very valuable as a negotiating tool once you have a likely buyer. It gives you something concrete to show your buyer. The appraisal is an independent third party's opinion of your home'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 far more likely to give credibility to an accomplished appraiser's value conclusion than yours.
Challenging a property tax assessmentIf you live in a local area that is declining or not appreciating as much as other houses nearby, your local tax assessor may have your house overvalued. This only means you're paying higher taxes than you should be paying. The quicker you take care of things like this, the better, since your property assessment may likely go up again in the next period. An appraisal report from Cullinan Appraisal & Realty is your perfect weapon when contesting your property tax assessment.
Appraisals to remove PMIPMI stands for Private Mortgage Insurance. A popular way to save money for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. 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 eliminated from your loan. Cullinan Appraisal & Realty is seasoned in helping customers just like you get rid of undesirable PMI insurance.
Recently got a freeze to your HELOC?Your lender just might choose to automatically freeze your home equity line of credit (HELOC) if your property is in a declining area -- even if your specific property has not declined in value. Not only can this be annoying from a cash flow point of view, but it can be negative on your credit score since it may appear as though that credit line is maxed out. An expert appraisal from Cullinan Appraisal & Realty can help you reinstate your HELOC.
Field and Desktop Appraisal Review ServicesHave you just accepted a copy of your appraisal and you would prefer to have a seasoned expert double-check it for efficiency or do you desire a second opinion without the added expense and delay of waiting for a whole new appraisal? An appraiser from Cullinan Appraisal & Realty can go out and check the subject and comparables in question 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.
Do you need a retrospective review of an appraisal? Cullinan Appraisal & Realty can help you with that. While usually requested by banks, you may desire to employ this service if you suspect mortgage fraud related to your home.