Need an appraisal in Lakewood or Los Angeles County?
The top 7 reasons CA homeowners call on Debra Ballou-Harding:
Do you own a home in or near Lakewood? Do you need help deciding the value of your real estate?
At Debra Ballou-Harding, we understand the unique needs of a customer looking for appraisal services. Our usual business clients get the appraisal process and the customary reporting formats. As our client, we will provide you with extra guidance and explanations through the appraisal process to more fully understand what we do and how we report our conclusions. For Sale By Owner/Pre-Listing ServicesSince you have an emotional attachment to your own home, it's often very hard to be objective about it. Professional appraisers, like the ones at Debra Ballou-Harding, are objective. We will tell you what you need to know, not just what you want to hear. A professional appraisal is a crucial negotiating tool once you have a potential buyer, in addition to helping you set a realistic price to sell at so your home will attract many interested buyers. The appraisal is something concrete to show your buyer. An appraisal is an independent third party's opinion of your home's price -- not just how much you think your house is worth. Potential buyers know that you have an emotional attachment to your home and will be much more likely to give credibility to a qualified appraiser's value conclusion than yours. PMI Removal AppraisalsPMI stands for Private Mortgage Insurance. A preferred way to cut costs for homeowners is to get 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 property. In most cases you can apply to a lender to have the PMI removed from your loan. We're veterans in helping consumers just like you dismiss unneeded PMI insurance. Challenging Los Angeles county's assessment of your propertyYour local tax assessor may have your home overvalued if your home is not appreciating as much as other homes nearby. That only 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. Getting an appraisal from Debra Ballou-Harding is your #1 weapon when challenging your property tax assessment. Was your HELOC recently frozen?Your lender just may make the decision to automatically freeze your home equity line of credit (HELOC) if your house is in or near a declining area -- even if your specific property has not declined in value. This can be be damaging to your credit score since it may appear as though that credit line is maxed out, and also inconvenient from a cash flow viewpoint. An expert appraisal from Debra Ballou-Harding can help you reinstate your HELOC. We Provide Field and Desktop Appraisal Review ServicesHave you just gotten a copy of your appraisal and you would prefer to have a seasoned appraiser double-check it for precision or do you desire a second opinion without the charge and delay of waiting for a whole new appraisal? Debra Ballou-Harding offers field reviews where we go out and check the subject and comps in question. 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 you with a a retrospective review of any appraisal report you may have in your possession. Even though this is typically requested by banks, you may need to exercise this service if you suspect mortgage fraud related to your home. |