Appraisal services for Applegate and Placer County homeowners

Here are the top reasons CA homeowners order from Renee Henry:

Find the right listing price (whether they're selling the home on their own or using a real estate agent)
Challenge property tax assessments
To lower your mortgage payment by removing PMI
Reinstate your Home Equity Line of Credit (HELOC)
Verify a different appraiser's report
If property needs to be divided because of a divorce
Determine the true market value of property in question to settle an estate

Need help deciding the value of your home in or near Applegate, CA?
Contact Renee Henry.

We at Renee Henry understand the unique needs of a customer looking for appraisal services. Our business practices and reporting formats are relatively routine to our business clients like lenders, lawyers, and CPAs. Being a regular homeowner that most likely doesn't see an appraisal every day,you can expect extra guidance and explanations through the appraisal process to understand what we do and how we present our conclusions.

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

It's very hard to be objective about your own 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 selling price so your home will attract interested buyers. It gives you something concrete to show your buyer. It's an independent third party's opinion of your home's price, and not just you saying how much your home is worth. Potential buyers assume you have an emotional attachment to your house and will be far more likely to give credibility to a professional appraiser's value judgement than yours.

Appraisals to remove PMI

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a fashionable way to cut expenses for homeowners. Once your mortgage loan amount is less than 80% of the value of your house, in most cases you can apply to the lender to have the PMI eliminated from your loan, which will make your monthly payments go down. Renee Henry is experts in helping people just like you do away with unneeded PMI insurance.

Challenge Placer county's assessment of your property

Lets say you live in an area that is going down -- your local tax assessor may have your home overvalued. That means you're paying more taxes than you should. Since your property assessment may likely go up again in the next period, the quicker you take care of things like this, the better off you'll be. An expert appraisal from Renee Henry is your #1 weapon when challenging your property tax assessment.

Recently got a freeze your HELOC?

Your lender may choose to automatically freeze your home equity line of credit (HELOC) if your home is in a declining area -- even if your specific property has not declined in value. Not only can this be unsuitable from a cash flow viewpoint, but it can be unfavorable to your credit score since it may appear as though that credit line is maxed out. Renee Henry can help you reinstate your HELOC.

We Provide 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 cost and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comparables in question. 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.

We can also provide you with a a retrospective review of any appraisal you may have had in the past. While usually requested by banks, you may wish to utilize this service if you suspect mortgage fraud related to your property.