Appraisal services for San Jose and Santa Clara County homeowners

The top 7 reasons CA homeowners order from Appraisals Only:

  1. To get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
  2. Challenge property tax assessments
  3. Remove PMI to cut your mortgage payment
  4. To reinstate their Home Equity Line of Credit (or HELOC)
  5. Review a different appraiser's report for verification
  6. In the case of a CA divorce, when property needs to be divided
  7. To settle an estate in Santa Clara county or CA by determining the true market value of property in question

Need help deciding the value of your house in or near San Jose, CA?
Contact Appraisals Only.

We at Appraisals Only understand the individual needs of a customer seeking appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra customer 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

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

Appraisals to remove PMI

PMI stands for Private Mortgage Insurance. A fashionable way to cut expenses for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan is less than 80% of the value of your property. In most cases you can apply to the lender to have the PMI removed from your loan. At Appraisals Only, we're veterans in helping people just like you do away with unwanted and unneeded PMI insurance.

Challenging a property tax assessment

Your local tax assessor may have your house overvalued if you live in a region that is declining. This only means you are going to pay higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the sooner you take care of things like this, the better off you'll be. When challenging your property tax assessment, getting an appraisal report from Appraisals Only is your number one weapon.

HELOC recently frozen?

Your lender just may choose to automatically freeze your home equity line of credit (HELOC) if your home is in or near a declining area -- even if your specific property has not declined in value. This can this be difficult and inconvenient from a cash flow viewpoint, and harmful to your credit score since it may appear as though that credit line is maxed out. Appraisals Only can help you reinstate your HELOC.

We Provide Field and Desktop Appraisal Review Services

Do you need a professional to double-check your appraisal for verity, or do you desire a second opinion without the added cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in a field review. Or, if you're in a rush, 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 a retrospective review of any appraisal report you may have had in the past. While typically requested by banks, you may desire to employ this service if you suspect mortgage fraud related to your property.