Real estate appraisal services for homeowners in the city of Big Oak Valley and Nevada County

Here are the top seven reasons why CA homeowners use Big Oak Appraisal:

  1. Find the right listing price (whether you're using an agent or selling the home on your own)
  2. Challenge a property tax assessment
  3. Remove PMI to lower a monthly mortgage payment
  4. Reinstate their Home Equity Line of Credit (or HELOC)
  5. Verify a different appraiser's report
  6. In the case of a CA divorce, where property needs to be divided
  7. Settle an estate in CA by determining the true market value of real estate in question

Do you own a house in or near Big Oak Valley? Do you need help determining the price of your real estate?
Contact Big Oak Appraisal.

We at Big Oak Appraisal understand the unique needs of a customer after 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

Since you have an emotional attachment to your home, 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 valuable negotiating tool once you have a potential buyer, in addition to helping you set a realistic selling price so your house will attract many interested buyers. The appraisal is something tangible to show the buyer. It's an independent third party's opinion of your house's price, and not just how much your home is worth. Interested buyers assume you have an emotional attachment to your house and will be far more likely to give credibility to an experienced appraiser's value judgement than yours.

Appraisals to cancel PMI

A preferred money saver for homeowners is getting 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 is down below 80% of the value of your home, 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're qualified in helping folks just like you get rid of unneeded PMI insurance.

Challenge property tax assessments

Your local tax assessor may have your home overvalued if you live in a region that is declining or not appreciating as much as other houses nearby. That means you're most likely 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 contesting your property tax assessment, getting a professional appraisal from Big Oak Appraisal is your chief weapon.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender just may decide to automatically freeze your home equity line of credit (HELOC) if your property is near a declining area. This can be be damaging to your credit score since it may appear as though that credit line is maxed out, and also troublesome from a cash flow standpoint. Big Oak Appraisal can provide you with a professional appraisal to help you reinstate your HELOC.

We Also Provide Field and Desktop Appraisal Review Services

Would you like a second opinion without the added expense and delay of waiting for a whole new appraisal? Or do you want a professional to double-check your appraisal for verity? An appraiser from Big Oak Appraisal can go out and check the subject and comparables 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 report you may have in your possession. While usually requested by banks, you may desire to take advantage of this service if you suspect mortgage fraud related to your home.