Need an appraisal in Aromas or Monterey County?

See the top 7 reasons CA homeowners need Bay Cities Appraisals:

  1. Pre-listing appraisals (whether they're selling the home on their own or using a real estate agent)
  2. Challenge Monterey county's assessment of your propertyvalue
  3. To lower a mortgage payments by removing PMI
  4. To reinstate their Home Equity Line of Credit (or HELOC)
  5. To review a different appraiser's report for verification
  6. In the case of a CA divorce, where real estate needs to be divided
  7. Settle an estate in CA by determining the true market value of property in question

Need help determining the value of your home in or near Aromas, CA?
Contact Bay Cities Appraisals.

We at Bay Cities Appraisals understand the individual needs of a customer seeking 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 (FSBO)/Pre-Listing Services

It's very hard to be objective about your own house because of your emotional attachment to it. The professional appraisers at Bay Cities Appraisals will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is a very valuable negotiating tool once you have a likely buyer, in addition to helping you set a realistic selling price so your property will attract buyers. The appraisal is something concrete to show your buyer. The appraisal is an independent third party's opinion of your house's value, not just how much you think your house is worth. Potential buyers assume you have an emotional attachment to your home and will be far more likely to give credibility to an accomplished appraiser's value report than yours.

Appraisals to cancel PMI

A popular money saver for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan is below 80% of the value of your home, in most cases you can apply to a lender to have the PMI eliminated from your loan, which will make your monthly payments go down. We're seasoned in helping homeowners just like you remove unneeded PMI insurance.

Challenge a property tax assessment

Lets say you live in a region that's going down -- your local tax assessor may have your home overvalued. That means you are going to pay more taxes than you should. The sooner you take care of things like this, the better, since your property assessment may likely go up again in the next period. When contesting your property tax assessment, getting an appraisal from Bay Cities Appraisals is your number one weapon.

Was your HELOC recently frozen?

Your lender might make the decision to automatically freeze your home equity line of credit (HELOC) if your property is near a declining area -- even if your specific property has not declined in value. Not only can this be disadvantageous from a cash flow point of view, but it can be negative on your credit score since it may appear as though that credit line is maxed out. Bay Cities Appraisals can provide you with an expert appraisal that will help you reinstate your home equity line of credit.

Need Field and Desktop Appraisal Review Services?

Have you just been given a copy of your appraisal and you'd like to have a professional double-check it for verity or do you need a second opinion without the added expense and delay of waiting for a whole new appraisal? An appraiser from Bay Cities Appraisals can go out and check the subject and comparables in question in a field review. Or, if you need it immediately, we can 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 report? Bay Cities Appraisals can help you with that. Even though this is typically requested by banks, you may want to use this service if you suspect mortgage fraud related to your home.