Need an appraisal in Soquel or Santa Cruz County?

The top 7 reasons CA homeowners call on Barcells & Associates:

To get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
Challenge property tax assessments
To lower their mortgage payment by removing PMI
To reinstate your Home Equity Line of Credit (or HELOC)
Verify another appraiser's report
If real estate property needs to be divided because of a divorce
To settle an estate in CA by determining the true market value of property in question

Own a home in or near Soquel, CA and need help determining the price of it?
Contact Barcells & Associates.

We at Barcells & Associates understand the particular needs of a customer after appraisal services. While our usual 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/Pre-Listing Services

It's very hard to be objective about your own home 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. In addition to helping you set a realistic selling price so your house will attract buyers, a professional appraisal is a crucial negotiating tool once you have an interested buyer. It gives you something concrete to show the buyer. The appraisal is an independent third party's opinion of your property's value, not just how much your house is worth. Potential buyers assume that you have an emotional attachment to your house and will be far more likely to give credibility to a qualified appraiser's value assessment than yours.

Appraisals to remove PMI

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is an attractive way to save money for homeowners. Once your mortgage loan amount is less than 80% of the value of your property, 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. We're experienced in helping people just like you remove unwanted and unneeded PMI insurance.

Challenge property tax assessments

Your local tax assessor may have your house overvalued if your house is not appreciating as much as other properties close to yours. That only means you're paying more taxes than you should. Since your property assessment may likely go up again in the next period, the earlier you take care of things like this, the better off you'll be. When contesting your property tax assessment, getting an expert appraisal from Barcells & Associates is your best weapon.

Recently got a freeze your HELOC?

Even if your specific property has not declined in value, your lender just may decide to automatically freeze your home equity line of credit (HELOC) if your property is close to a declining area. This can this be difficult from a cash flow viewpoint, and bad for your credit score since it may appear as though that credit line is maxed out. Barcells & Associates can help you reinstate your HELOC.

We Provide Field and Desktop Appraisal Review Services

Would you prefer a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you need a seasoned professional to double-check your appraisal for precision? In a field review we'll go out and check the subject and comparables in question. If you need it immediately, we'll 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 done before. Even though this is usually requested by banks, you may desire to take advantage of this service if you suspect mortgage fraud related to your property.