Attention homeowners in Soquel and Santa Cruz County: Need an appraisal?

Here are the top seven reasons why CA homeowners need Jan Winham Appraisals:

  1. To get a pre-listing appraisal (whether they're selling the home themselves or using a real estate agent)
  2. Challenge property tax assessments
  3. Remove PMI to reduce a monthly mortgage payment
  4. Reinstate their Home Equity Line of Credit (or HELOC)
  5. 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

Need help deciding the value of your home in or near Soquel, CA?
Contact Jan Winham Appraisals.

At Jan Winham Appraisals, we understand the particular 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. But as a consumer,you can expect extra guidance and explanations through the appraisal process to more fully understand what we do and how we report our conclusions.

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. The professional appraisers at Jan Winham 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 an interested buyer, in addition to helping you set a realistic selling price so your property will attract many interested buyers. It gives you something tangible to show the buyer. The appraisal is an independent third party's opinion of your property's value, not just how much your home is worth. Interested buyers know you have an emotional attachment to your home and will be much more likely to give credibility to an experienced appraiser's value report than yours.

PMI Removal Appraisals

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a fashionable way to cut expenses for homeowners. Once your mortgage loan amount is below 80% of the value of your home, 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. We're experienced in helping consumers just like you remove unwanted PMI insurance.

Challenge a property tax assessment

Your local tax assessor may have your home overvalued if you live in an area that is declining. This only means you are probably paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the quicker you take care of a matter like this, the better. When contesting your property tax assessment, getting a professional appraisal from Jan Winham Appraisals is your best weapon.

Recently got a freeze your HELOC?

Your lender may just make the decision to automatically freeze your home equity line of credit (HELOC) if your property is in a declining area -- even if your specific property has not declined in value. This can this be difficult and inconvenient from a cash flow standpoint, and destructive to your credit score since it may appear as though that credit line is maxed out. Jan Winham Appraisals can provide you with a professional appraisal that will help you reinstate your HELOC.

We Also Offer Field and Desktop Appraisal Review Services

Have you just accepted a copy of your appraisal and you would wish to have a seasoned appraiser double-check it for verity or do you desire a second opinion without the charge and delay of waiting for a whole new appraisal? An appraiser from Jan Winham Appraisals can go out and check the subject and comps 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.

We can also provide you with a a retrospective review of any appraisal report you may have in your possession. Even though this is typically requested by banks, you may desire to use this service if you suspect mortgage fraud related to your house.