Attention homeowners in Merced and Merced County: Need an appraisal?

The top reasons CA homeowners use Joe Havel IV:

To get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
Challenge a property tax assessment
To reduce their mortgage payment by removing PMI
To reinstate their Home Equity Line of Credit (or HELOC)
Review a different appraiser's report for verification
If property needs to be divided because of a divorce
Determine the true market value of real estate in question to settle an estate in CA

Need help deciding the value of your house in or near Merced, CA?
Contact Joe Havel IV.

At Joe Havel IV, we understand the individual needs of a homeowner looking for appraisal services. The appraisal process and reporting formats are familiar to our business clients like lenders, lawyers, and accountants. But as a general consumer,we'll be sure you get extra guidance and explanations through the appraisal process to better understand what we do and how we report the results of our analysis.

For-Sale-By-Owner (FSBO) / Pre-Listing Services

Since you have an emotional attachment to your home, it's often very hard to be objective about it. Our professional appraisers at Joe Havel IV are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. A professional appraisal is very important as a negotiating tool once you have an attainable buyer, in addition to helping you set a realistic selling price so your house will attract interested buyers. It's something tangible to show your buyer. It's an independent third party's opinion of your house's value, and not just how much your house is worth. Interested buyers know you have an emotional attachment to your home and will be much more likely to give credibility to a qualified appraiser's value opinion than yours.

Need to cancel PMI?

A preferred money saver 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 amount is below 80% of the value of your property, in most cases you can apply to your lender to have the PMI canceled from your loan, which will make your monthly payments go down. Joe Havel IV is experienced in helping homeowners just like you delete unneeded PMI insurance.

Challenging property tax assessments

Lets say you live in a region that's going down -- your local tax assessor may have your home overvalued. That means you're probably paying more taxes than you should. 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. When challenging your property tax assessment, getting an appraisal report from Joe Havel IV is your best weapon.

Recently got a freeze your HELOC?

If your property is near a declining area, your lender just may make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be difficult from a cash flow viewpoint, but it can be detrimental to your credit score since it may appear as though that credit line is maxed out. An expert appraisal from Joe Havel IV can 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 verity, or do you want a second opinion without the cost and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comparables. Or, if you're in a hurry, 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 you with a a retrospective review of any appraisal you may have had done before. While usually requested by banks, you may want to take advantage of this service if you suspect mortgage fraud related to your property.