Attention homeowners in Moorpark and Ventura County: Need an appraisal?
Check out the top 7 reasons why CA homeowners call on CTF Appraisals:
Own a home in or near Moorpark, CA and need help deciding the price of it?
We at CTF Appraisals understand the special needs of a customer in need of 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/Pre-Listing Services
Since you have an emotional attachment to your home, it's often very hard to be objective about it. Our professional appraisers at CTF Appraisals are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. A professional appraisal is very important as a negotiating tool once you have a potential buyer, in addition to helping you set a realistic selling price so your home will attract many interested buyers. It gives you something concrete to show your buyer. An appraisal is an independent third party's opinion of your house's value -- not just how much you think your home is worth. Potential buyers know that you have an emotional attachment to your home and will be more likely to give credibility to a professional appraiser's value report than yours.
Need to cancel PMI?
A popular way to save money for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Your monthly payments will go down once your mortgage loan is less than 80% of the value of your house. In most cases you can apply to the lender to have the PMI removed from your loan. CTF Appraisals is experts in helping folks just like you abolish unneeded PMI insurance.
Challenging a property tax assessment
Lets say you live in an area that is declining -- your local tax assessor may have your home overvalued. This means you are most likely paying higher taxes than you should be paying. The earlier 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 an appraisal from CTF Appraisals is your strongest weapon.
Recently got a freeze your HELOC?
Even if your specific property has not declined in value, your lender may make the decision to automatically freeze your home equity line of credit (HELOC) if your property is close to a declining area. This can be be negative on your credit score since it may appear as though that credit line is maxed out, and also inopportune from a cash flow viewpoint. CTF Appraisals can help you reinstate your home equity line of credit with an expert appraisal.
Need 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 veteran appraiser to double-check your appraisal for efficiency? CTF Appraisals offers field reviews where we'll go out and check the subject and comparables in question. If you need it immediately, we'll provide you with a 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? CTF Appraisals can help with that too. While typically requested by banks, you may want to exercise this service if you suspect mortgage fraud related to your property.