Attention homeowners in Thousand Oaks and Ventura County: Get an Appraisal today!

The top 7 reasons why CA homeowners hire Independent Appraisal:

  1. To get a pre-listing appraisal (whether they're selling the home themselves or using a real estate agent)
  2. Challenge Ventura county's assessment of your property
  3. Remove PMI to lower their mortgage payment
  4. Reinstate your Home Equity Line of Credit (HELOC)
  5. To review a different appraiser's report for verification
  6. In the case of a CA divorce, where real estate property needs to be divided
  7. To determine the true market value of property in question to settle an estate in Ventura county or CA

Do you own a home in or near Thousand Oaks? Do you need help deciding the price of your real estate?
Contact Independent Appraisal.

At Independent Appraisal, we understand the individual needs of a customer after appraisal services. While our typical 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

Since you have an emotional attachment to your own home, it's often very hard to be objective about 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 price to sell at so your property will attract many interested buyers, a professional appraisal is very crucial as a negotiating tool once you have an attainable buyer. It's something concrete to show the buyer. It's an independent third party's opinion of your house's price, and not just how much your house is worth. Potential buyers know you have an emotional attachment to your house and will be much more likely to give credibility to an expert appraiser's value conclusion than yours.

Appraisals to cancel PMI

PMI stands for Private Mortgage Insurance. A popular way to cut expenses for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan is down below 80% of the value of your property. In most cases you can apply to your lender to have the PMI removed from your loan. At Independent Appraisal, we're experienced in helping customers just like you rid yourselves of undesirable PMI insurance.

Challenging property tax assessments

If you live in an area that is declining or is not appreciating as much as other homes close to yours, your local tax assessor may have your house overvalued. This means you are going to pay higher taxes than you should be paying. The faster 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. A professional appraisal from Independent Appraisal is your #1 weapon when contesting your property tax assessment.

HELOC recently frozen?

Your lender just might make the decision to automatically freeze your home equity line of credit (HELOC) if your property is near a declining area -- even if your specific property has not declined in value. This can this be unsuitable from a cash flow angle, and detrimental to your credit score since it may appear as though that credit line is maxed out. Independent Appraisal can help you reinstate your HELOC.

Need Field and Desktop Appraisal Review Services?

Do you need a veteran appraiser 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? In a field review we will go out and check the subject and comparables. Or, if you need it 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 desire to exercise this service if you suspect mortgage fraud related to your house.