Attention homeowners in Gualala and Mendocino County: Need an appraisal?

Here are the top 7 reasons why CA homeowners use Coastal Appraisal Service:

To get a pre-listing appraisal (whether they're selling the home themselves or using a real estate agent)
To challenge a CA property tax assessment
To reduce your mortgage payment by removing PMI
To reinstate your Home Equity Line of Credit (HELOC)
Verify another appraiser's report
If real estate property needs to be divided because of a divorce
Determine the true market value of property in question to settle an estate in Mendocino county or CA

Need help deciding the price of your house in or near Gualala, CA?
Contact Coastal Appraisal Service.

At Coastal Appraisal Service, we understand the particular needs of a homeowner in need of appraisal services. While our typical clients understand the appraisal process and standard reporting formats, you as a consumer will get extra customer 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 own house, 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 very important as a negotiating tool once you have an interested 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 how much your home is worth. Potential buyers assume you have an emotional attachment to your house and will be much more likely to give credibility to an expert appraiser's value judgement than yours.

PMI Removal Appraisals

PMI stands for Private Mortgage Insurance. An attractive money saver for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan amount 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. At Coastal Appraisal Service, we're seasoned in helping customers just like you delete undesirable PMI insurance.

Challenge property tax assessments

Your local tax assessor may have your home overvalued if your house not appreciating as much as other houses close by. This only means you're paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the quicker you take care of a matter like this, the better. A professional appraisal from Coastal Appraisal Service is your strongest weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

If your home is near a declining area, your lender just may decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can this be difficult from a cash flow angle, and negative on your credit score since it may appear as though that credit line is maxed out. An appraisal from Coastal Appraisal Service can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Do you need a seasoned 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? Coastal Appraisal Service offers field reviews where we'll go out and check the subject and comparables. Or, if you need it ASAP, 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 you may have had in the past. Even though this is typically requested by banks, you may desire to utilize this service if you suspect mortgage fraud related to your house.