Attention homeowners in CLEARLAKE and Lake County: Need an appraisal?

Here are the top 7 reasons why CA homeowners hire Latuscha Appraisal:

Find the right listing price (whether you're using a real estate agent or selling the home on your own)
Challenge property tax assessments
To reduce your mortgage payment by removing PMI
To reinstate their Home Equity Line of Credit (or HELOC)
Verify another appraiser's report
In the case of a CA divorce, when property needs to be divided
To settle an estate in CA by determining the true market value of real estate in question

Do you own a home in or near CLEARLAKE? Do you need help deciding the value of your real estate?
Contact Latuscha Appraisal.

We at Latuscha Appraisal understand the particular 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 extra 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

Since you have an emotional attachment to your house, it's often very hard to be objective about it. The professional appraisers at Latuscha Appraisal 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 property will attract buyers, a professional appraisal is very valuable as a negotiating tool once you have an interested buyer. It's something tangible to show your buyer. It's an independent third party's opinion of your home's price, and not just you saying how much you think your house is worth. Potential buyers assume you have an emotional attachment to your house and will be far more likely to give credibility to a seasoned appraiser's value estimation than yours.

PMI Removal Appraisals

A preferred way to cut costs for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan is down below 80% of the value of your house, in most cases you can apply to a lender to have the PMI removed from your loan, which will make your monthly payments go down. At Latuscha Appraisal, we're experienced in helping customers just like you abolish unneeded PMI insurance.

Challenging a property tax assessment

If you live in an area that is going down or not appreciating as much as other houses close to yours, your local tax assessor may have your house overvalued. This only means you're paying higher taxes than you should be paying. The quicker you take care of things like this, the better, since your property assessment may likely go up again in the next period. When contesting your property tax assessment, getting an appraisal report from Latuscha Appraisal is your perfect weapon.

HELOC recently frozen?

Your lender may decide to automatically freeze your home equity line of credit (HELOC) if your home is near a declining area -- even if your specific property has not declined in value. This can this be annoying from a cash flow viewpoint, and negative on your credit score since it may appear as though that credit line is maxed out. Latuscha Appraisal can provide you with efficient appraisal that will help you reinstate your HELOC.

We Also Offer Field and Desktop Appraisal Review Services

Would you prefer a second opinion without the added cost and delay of waiting for a whole new appraisal? Or do you need a seasoned appraiser to double-check your appraisal for accuracy? In a field review we will go out and check the subject and comparables in question. Or, if you're in a rush, 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 a retrospective review of any appraisal report you may have had done before. While typically requested by banks, you may wish to exploit this service if you suspect mortgage fraud related to your house.