Attention homeowners: Real estate appraisal services for in Aptos and Monterey County

Check out the top 7 reasons California homeowners use Kelly and Associates:

Find the right listing price (whether you're using an agent or selling the home on your own)
Challenge property tax assessments
To reduce a monthly mortgage payment by removing PMI
Reinstate their Home Equity Line of Credit (HELOC)
To review a different appraiser's report for verification
In the case of a divorce in the state of California, when real estate needs to be divided
Settle an estate in California by determining the true market value of real estate


	Do you own a house in or near Aptos? Do you need help determining the price of your real estate? Contact Kelly and Associates.

We at Kelly and Associates understand the special needs of a homeowner looking for appraisal services. Our business practices and reporting formats are relatively routine to our business clients like banks, lawyers, and accountants. As our client, you can expect extra guidance and explanations through the appraisal process to more clearly understand what we do and how we present our findings.

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

It's very hard to be objective about your own home because you probably have an emotional attachment to it. Our professional appraisers at Kelly and Associates are objective. We won't just tell you what you want to hear, we will tell you what you need to know. In addition to helping you set a realistic selling price so your home will attract many interested buyers, a professional appraisal is very important as a negotiating tool once you have an interested buyer. It gives you something concrete to show the 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. Interested buyers know you have an emotional attachment to your house and will be much more likely to give credibility to a qualified appraiser's value estimation than yours.

Challenge Monterey County's assessment of your property

Your local tax assessor may have your house overvalued if you live in an area that is declining or is not appreciating as much as other properties close by. That only means you're probably paying more taxes than you should. The quicker you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. An appraisal report from Kelly and Associates is your #1 weapon when challenging your property tax assessment.

Appraisals to cancel PMI

A popular money saver for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Your monthly payments will go down once your mortgage loan is below 80% of the value of your home. In most cases you can apply to the lender to have the PMI eliminated from your loan. At Kelly and Associates, we're seasoned in helping homeowners just like you abolish unwanted and unneeded PMI insurance.

HELOC recently frozen?

Your lender may make the decision to automatically freeze your home equity line of credit (HELOC) if your house is close to a declining area -- even if your specific property has not declined in value. This can be detrimental to your credit score since it may appear as though that credit line is maxed out, and also annoying from a cash flow angle. Kelly and Associates can provide you with efficient appraisal to help you reinstate your HELOC.

We Also Provide Field and Desktop Appraisal Review Services

Do you need a seasoned appraiser to double-check your appraisal for accuracy, or do you desire a second opinion without the charge and delay of waiting for a whole new appraisal? An appraiser from Kelly and Associates can go out and check the subject and comparables in a field review. Or, if you need it immediately, we can provide desk review and verify as many facts as we can, using online data sources as well as our own files.

Do you need a retrospective review of an appraisal report? We can assist you. While usually requested by banks, you may want to exercise this service if you suspect mortgage fraud related to your property.