Attention homeowners in East Palo Alto and San Mateo County: Need an appraisal?

Here are the top seven reasons CA homeowners need Harry Chu (650) 759-9011:

  1. Find the right listing price (whether you're using a real estate agent or selling the home on your own)
  2. To challenge a CA property tax assessment
  3. Remove PMI to lower their mortgage payment
  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, when real estate needs to be divided
  7. To determine the true market value of real estate in question to settle an estate

Own a house in or near East Palo Alto, CA and need help deciding the value of it?
Contact Harry Chu (650) 759-9011.

At Harry Chu (650) 759-9011, we understand the special needs of a consumer in need of appraisal services. Our usual business clients are used to the appraisal process and the standard "products" we deliver to them. Being a regular consumer that probably doesn't look at appraisals on a regular basis,you will receive extra guidance and explanations through the appraisal process to better understand what we do and how we report our findings.

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

Since you have an emotional attachment to your home, it's often very hard to be objective about it. The professional appraisers at Harry Chu (650) 759-9011 will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is very valuable as a negotiating tool once you have a likely buyer, in addition to helping you set a realistic price to sell at so your home will attract many interested buyers. The appraisal is something tangible to show the buyer. An appraisal is an independent third party's opinion of your home's value -- not just you saying how much your house is worth. Potential buyers assume that you have an emotional attachment to your home and will be far more likely to give credibility to an expert appraiser's value conclusion than yours.

Appraisals to cancel PMI

PMI stands for Private Mortgage Insurance. An attractive way to save money for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount is down below 80% of the value of your property, in most cases you can apply to the lender to have the PMI removed from your loan, which will make your monthly payments go down. At Harry Chu (650) 759-9011, we're experienced in helping homeowners just like you get rid of undesirable PMI insurance.

Challenging a property tax assessment

Lets say you live in an area that is declining -- your local tax assessor may have your house overvalued. This means you're paying higher taxes than you should be paying. The earlier 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. When challenging your property tax assessment, getting an expert appraisal from Harry Chu (650) 759-9011 is your chief weapon.

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 house is near a declining area. This can this be difficult and inconvenient from a cash flow angle, and harmful to your credit score since it may appear as though that credit line is maxed out. Harry Chu (650) 759-9011 can help you reinstate your HELOC.

Need Field and Desktop Appraisal Review Services?

Would you like a second opinion without the added cost and delay of waiting for a whole new appraisal? Or do you want a professional to double-check your appraisal for precision? 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 report? Harry Chu (650) 759-9011 can We can assist you. While usually requested by banks, you may need to exercise this service if you suspect mortgage fraud related to your property.