Attention homeowners: Real estate appraisal services for in Salinas and Monterey County

Here are the top reasons CA homeowners hire Ramey Appraisal:

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

Do you own a home in or near Salinas? Do you need help deciding the value of your real estate?
Contact Ramey Appraisal.

At Ramey Appraisal, we understand the individual needs of a consumer after appraisal services. Our business practices and reporting formats are familiar to our business clients like lenders, lawyers, and CPAs. Being a regular person not in the real estate field that probably doesn't see an appraisal on a regular basis,you can expect extra guidance and explanations through the appraisal process to more fully understand what we do and how we document the results of our analysis.

Pre-listing Services/For Sale By Owner

Since you have an emotional attachment to your house, it's often very hard to be objective about it. Our professional appraisers at Ramey Appraisal are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. A professional appraisal is a very important negotiating tool once you have a likely buyer, in addition to helping you set a realistic price to sell at so your property will attract buyers. It gives you something concrete to show the buyer. It's an independent third party's opinion of your house's value, and not just how much your home is worth. Interested buyers assume that you have an emotional attachment to your house and will be far more likely to give credibility to a qualified appraiser's value conclusion than yours.

Appraisals to cancel PMI

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a fashionable money saver for homeowners. Your monthly payments will go down once your mortgage loan amount is less than 80% of the value of your home. In most cases you can apply to a lender to have the PMI eliminated from your loan. We're seasoned in helping people just like you delete unneeded PMI insurance.

Challenging property tax assessments

Your local tax assessor may have your home overvalued if you live in a region that is going down. That only means you're probably paying more taxes than you should. Since your property assessment may likely go up again in the next period, the earlier you take care of things like this, the better. An expert appraisal from Ramey Appraisal is your perfect weapon when contesting your property tax assessment.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, 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. Not only can this be difficult and inconvenient from a cash flow standpoint, but it can be negative on your credit score since it may appear as though that credit line is maxed out. Ramey Appraisal can help you reinstate your home equity line of credit with a professional appraisal.

We Offer Field and Desktop Appraisal Review Services

Do you need a seasoned appraiser to double-check your appraisal for precision, or do you desire a second opinion without the cost and delay of waiting for a whole new appraisal? An appraiser from Ramey Appraisal can go out and check the subject and comparables in question in a field review. Or, if you need it ASAP, 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? Ramey Appraisal can We can assist you. While usually requested by banks, you may desire to employ this service if you suspect mortgage fraud related to your home.