Real estate appraisal services for homeowners in the city of Coarsegold and San Luis Obispo County

Here are the top 7 reasons why CA homeowners hire Eric Ford:

  1. Find the right listing price (whether they're selling the home themselves or using a real estate agent)
  2. Challenge San Luis Obispo county's assessment of your property
  3. To reduce their mortgage payments by removing PMI
  4. To reinstate their Home Equity Line of Credit (or HELOC)
  5. Verify a different appraiser's report
  6. In the case of a CA divorce, when real estate property needs to be divided
  7. To settle an estate in San Luis Obispo county or CA by determining the true market value of property in question

Own a house in or near Coarsegold, CA and need help deciding the value of it?
Contact Eric Ford.

We at Eric Ford understand the particular needs of a homeowner seeking appraisal services. Our business practices and reporting formats are relatively routine to our business clients like banks, attorneys, and CPAs. Being a regular homeowner that probably doesn't see an appraisal every day,you can expect extra guidance and explanations through the appraisal process to understand what we do and how we document our conclusions.

Pre-listing Services/For Sale By Owner (FSBO)

It's very hard to be objective about your home because of your emotional attachment to it. Our professional appraisers at Eric Ford are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. In addition to helping you set a realistic selling price so your property will attract many interested buyers, a professional appraisal is a very important negotiating tool once you have an interested buyer. It gives you something tangible to show your buyer. An appraisal is an independent third party's opinion of your home's price -- not just you saying how much your home is worth. Interested buyers assume that you have an emotional attachment to your house and will be much more likely to give credibility to a seasoned appraiser's value estimation than yours.

PMI Removal Appraisals

A preferred way to cut expenses 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". Your monthly payments will go down once your mortgage loan is down below 80% of the value of your home. In most cases you can apply to a lender to have the PMI canceled from your loan. We are veterans in helping folks just like you get rid of unwanted PMI insurance.

Challenge San Luis Obispo county's assessment of your property

If you live in an area that is declining or not appreciating as much as other homes close to yours, your local tax assessor may have your home overvalued. This means you are 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. A professional appraisal from Eric Ford is your perfect weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

Your lender may just choose to automatically freeze your home equity line of credit (HELOC) if your home is in a declining area -- even if your specific property has not declined in value. This can this be unsuitable from a cash flow angle, and destructive to your credit score since it may appear as though that credit line is maxed out. Eric Ford can help you reinstate your HELOC.

We Offer Field and Desktop Appraisal Review Services

Do you need a seasoned professional to double-check your appraisal for accuracy, or do you desire a second opinion without the cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables in question in a field review. 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.

Do you need a retrospective review of an appraisal report? Eric Ford can We can assist you. While typically requested by banks, you may want to exercise this service if you suspect mortgage fraud related to your property.