Attention homeowners in San Jose and Santa Clara County: Need an appraisal?

See the top seven reasons CA homeowners use Heritage Appraisal Services:

  1. Pre-listing appraisals (whether they're selling the home themselves or using a real estate agent)
  2. Challenge Santa Clara county's assessment of your property
  3. Remove PMI to reduce your mortgage payment
  4. To reinstate their Home Equity Line of Credit (HELOC)
  5. Verify a different appraiser's report
  6. If property needs to be divided because of a divorce
  7. To settle an estate in Santa Clara county or CA by determining the true market value of property in question

Need help deciding the value of your home in or near San Jose, CA?
Contact Heritage Appraisal Services.

At Heritage Appraisal Services, we understand the unique needs of a customer after appraisal services. Our business practices and reporting formats are relatively routine to our business clients like banks, lawyers, and accountants. Being a consumer that ordinarily doesn't look at appraisals on a regular basis,we will give you extra guidance and explanations through the appraisal process to understand what we do and how we present our findings.

Pre-listing Services/For Sale By Owner

It's very hard to be objective about your house because you probably have an emotional attachment to 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 price to sell at so your house will attract many interested buyers. It gives you something tangible to show the buyer. The appraisal is an independent third party's opinion of your house's value, not just how much your home is worth. Potential buyers know you have an emotional attachment to your house and will be much more likely to give credibility to an expert appraiser's value estimation than yours.

PMI Removal Appraisals

PMI stands for Private Mortgage Insurance. An attractive way to cut expenses for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is below 80% of the value of your house, in most cases you can apply to your lender to have the PMI canceled from your loan, which will make your monthly payments go down. We are experienced in helping homeowners just like you abolish unwanted and unneeded PMI insurance.

Challenging a property tax assessment

Your local tax assessor may have your home overvalued if your house not appreciating as much as other properties close to yours. This means you are probably paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the sooner you take care of a matter like this, the better off you'll be. An appraisal report from Heritage Appraisal Services is your perfect weapon when challenging your property tax assessment.

HELOC recently frozen?

Your lender just might make the decision to automatically freeze your home equity line of credit (HELOC) if your property is in or near a declining area -- even if your specific property has not declined in value. Not only can this be troublesome from a cash flow standpoint, but it can be bad for your credit score since it may appear as though that credit line is maxed out. Heritage Appraisal Services can help you reinstate your home equity line of credit with an expert appraisal.

Do You Need Field and Desktop Appraisal Review Services?

Do you need a seasoned professional 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? We can go out and check the subject and comparables in question in a field review. Or, if you need it immediately, 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? Heritage Appraisal Services can help with that too. While usually requested by banks, you may want to use this service if you suspect mortgage fraud related to your home.