Appraisal services for Apple Valley and San Bernardino County homeowners

The top seven reasons why CA homeowners use Randy Kelly & Co.:

  1. Get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
  2. Challenge property tax assessments
  3. Remove PMI to cut their mortgage payment
  4. Reinstate your Home Equity Line of Credit (or HELOC)
  5. Review another appraiser's report for verification
  6. In the case of a CA divorce, when real estate property needs to be divided
  7. To settle an estate in San Bernardino county or CA by determining the true market value of real estate in question

Do you own a house in or near Apple Valley? Do you need help deciding the price of your real estate?
Contact Randy Kelly & Co..

We at Randy Kelly & Co. understand the individual needs of a consumer looking for 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 (FSBO) / 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 Randy Kelly & Co. will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is a crucial negotiating tool once you have an attainable buyer, in addition to helping you set a realistic selling price so your property will attract interested buyers. It's something tangible to show the buyer. It's an independent third party's opinion of your house's price, and not just how much your home is worth. Interested buyers assume that you have an emotional attachment to your home and will be much more likely to give credibility to a seasoned appraiser's value conclusion than yours.

Need to remove PMI?

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a preferred money saver for homeowners. Your monthly payments will go down once your mortgage loan amount is down below 80% of the value of your property. In most cases you can apply to the lender to have the PMI removed from your loan. Randy Kelly & Co. is experts in helping homeowners just like you get rid of undesirable PMI insurance.

Challenge San Bernardino county's assessment of your property

Lets say you live in a local area that is going down -- your local tax assessor may have your house overvalued. This only means you are probably paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the faster you take care of a matter like this, the better. An appraisal from Randy Kelly & Co. is your perfect weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender might just decide to automatically freeze your home equity line of credit (HELOC) if your home is in a declining area. This can be be damaging to your credit score since it may appear as though that credit line is maxed out, and also difficult and inconvenient from a cash flow point of view. Randy Kelly & Co. can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Do you need a veteran appraiser to double-check your appraisal for efficiency, or do you want a second opinion without the cost and delay of waiting for a whole new appraisal? An appraiser from Randy Kelly & Co. can go out and check the subject and comps in a field review. If you're in a hurry, we'll 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 you with a a retrospective review of any appraisal you may have had done before. While usually requested by banks, you may need to exploit this service if you suspect mortgage fraud related to your home.