Appraisal services for Rio Dell and Humboldt County homeowners

Here are the top 7 reasons why CA homeowners call on George Patmore:

  1. Pre-listing appraisals (whether they're selling the home themselves or using a real estate agent)
  2. Challenge property tax assessments
  3. To lower their monthly mortgage payment by removing PMI
  4. To reinstate your Home Equity Line of Credit (or HELOC)
  5. To review another appraiser's report for verification
  6. If property needs to be divided because of a divorce
  7. To determine the true market value of real estate in question to settle an estate

Do you own a house in or near Rio Dell? Do you need help deciding the price of your real estate?
Contact George Patmore.

We at George Patmore understand the individual needs of a customer after appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of customer service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.

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

It's very hard to be objective about your own house because of your emotional attachment to it. Our professional appraisers at George Patmore are objective. We won't just tell you what you want to hear, we will tell you what you need to know. A professional appraisal is a very valuable negotiating tool once you have a likely buyer, in addition to helping you set a realistic selling price so your property will attract buyers. The appraisal is something concrete to show the buyer. The appraisal is an independent third party's opinion of your property's price, not just you saying how much your house is worth. Interested buyers know that you have an emotional attachment to your home and will be far more likely to give credibility to an accomplished appraiser's value estimation than yours.

Appraisals to cancel PMI

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a popular way to save money for homeowners. Your monthly payments will go down once your mortgage loan amount is down below 80% of the value of your home. In most cases you can apply to a lender to have the PMI canceled from your loan. We're experienced in helping homeowners just like you delete unnecessary PMI insurance.

Challenging property tax assessments

Your local tax assessor may have your house overvalued if your house not appreciating as much as other properties close to yours. This means you're probably paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the faster you take care of things like this, the better. When contesting your property tax assessment, getting an appraisal report from George Patmore is your best weapon.

HELOC recently frozen?

If your property is in a declining area, your lender just may decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can this be disadvantageous from a cash flow point of view, and negative on your credit score since it may appear as though that credit line is maxed out. George Patmore can provide you with an expert appraisal that will help you reinstate your HELOC.

We Provide Field and Desktop Appraisal Review Services

Have you just received a copy of your appraisal and you would prefer to have a professional double-check it for efficiency or do you desire a second opinion without the added expense and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comps in question. Or, if you're in a hurry, 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 done before. Even though this is typically requested by banks, you may want to exploit this service if you suspect mortgage fraud related to your home.