Appraisal services for Oakland and Alameda County homeowners
Here are the top 7 reasons CA homeowners order from Nikko Lindley:
Do you own a home in or near Oakland? Do you need help deciding the value of your real estate?
We at Nikko Lindley understand the individual needs of a consumer looking for appraisal services. While our usual 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.
Pre-listing Services/For Sale By Owner (FSBO)
Since you have an emotional attachment to your own house, it's often very hard to be objective about it. The professional appraisers at Nikko Lindley will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is very important as a negotiating tool once you have a likely buyer, in addition to helping you set a realistic selling price so your house will attract interested buyers. It gives you something tangible to show your buyer. The appraisal is an independent third party's opinion of your home's price, not just how much you think your home is worth. Potential buyers know you have an emotional attachment to your house and will be far more likely to give credibility to a qualified appraiser's value opinion than yours.
Appraisals to remove PMI
A preferred way to cut expenses for homeowners is to get 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 down below 80% of the value of your property. In most cases you can apply to a lender to have the PMI eliminated from your loan. We're experts in helping clients just like you dismiss unneeded PMI insurance.
Challenging a property tax assessment
Your local tax assessor may have your home overvalued if you live in an area that's going down. This only means you're going to pay higher taxes than you should be paying. The faster you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. Getting a professional appraisal from Nikko Lindley is your chief weapon when contesting your property tax assessment.
HELOC recently frozen?
If your home is in or 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 troublesome from a cash flow viewpoint, and harmful to your credit score since it may appear as though that credit line is maxed out. An appraisal from Nikko Lindley can help you reinstate your HELOC.
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 need a professional to double-check your appraisal for preciseness? An appraiser from Nikko Lindley can go out and check the subject and comps in a field review. If you need it immediately, we'll 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 a retrospective review of any appraisal you may have had in the past. While typically requested by banks, you may need to make use of this service if you suspect mortgage fraud related to your home.