Need an appraisal in American Canyon or Napa County?

Here are the top reasons CA homeowners call on Jerome Festejo:

To get a pre-listing appraisal (whether they're selling the home on their own or using a real estate agent)
Challenge property tax assessments
Remove PMI to lower your monthly mortgage payment
To reinstate your Home Equity Line of Credit (or HELOC)
To review a different appraiser's report for verification
If real estate needs to be divided because of a divorce
To determine the true market value of property in question to settle an estate in Napa County or the state of CA

Need help determining the value of your house in or near American Canyon, CA?
Contact Jerome Festejo.

At Jerome Festejo, we understand the unique needs of a consumer seeking appraisal services. While our usual business 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

Since you have an emotional attachment to your own house, it's often very hard to be objective about it. The professional appraisers at Jerome Festejo 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 a very important negotiating tool once you have an interested buyer. The appraisal is something tangible to show the buyer. An appraisal is an independent third party's opinion of your home's value -- not just you saying how much you think your home is worth. Interested buyers know that you have an emotional attachment to your home and will be much more likely to give credibility to an experienced appraiser's value judgement than yours.

PMI Removal Appraisals

PMI stands for Private Mortgage Insurance. A popular way to cut costs for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount is down below 80% of the value of your house, in most cases you can apply to the lender to have the PMI canceled from your loan, which will make your monthly payments go down. Jerome Festejo is experts in helping folks just like you delete unwanted and unneeded PMI insurance.

Challenging property tax assessments

Lets say you live in a local area that's declining -- your local tax assessor may have your home overvalued. This means you're going to pay higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the quicker you take care of things like this, the better off you'll be. Getting an appraisal report from Jerome Festejo is your best weapon when contesting your property tax assessment.

Was your HELOC recently frozen?

If your house is near a declining area, your lender may just 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 unsuitable from a cash flow angle, and detrimental to your credit score since it may appear as though that credit line is maxed out. Jerome Festejo can help you reinstate your home equity line of credit with efficient appraisal.

Field and Desktop Appraisal Review Services

Would you like a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you desire an expert to double-check your appraisal for accuracy? We can go out and check the subject and comparables in question in a field review. Or, if you need it in a rush, we can 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 you may have had done before. While usually requested by banks, you may want to exploit this service if you suspect mortgage fraud related to your home.