Appraisal services for Eureka and Humboldt County homeowners

Check out the top 7 reasons why CA homeowners call on Stacey Riley:

Find the right listing price (whether you're using an agent or selling the home on your own)
Challenge a property tax assessment
To cut a mortgage payments by removing PMI
To reinstate your Home Equity Line of Credit (HELOC)
Review another appraiser's report for verification
In the case of a CA divorce, where property needs to be divided
Settle an estate in CA by determining the true market value of property in question

Need help determining the value of your house in or near Eureka, CA?
Contact Stacey Riley.

At Stacey Riley, we understand the special needs of a consumer looking for appraisal services. The appraisal process and reporting formats are familiar to our business clients like banks, attorneys, and accountants. But as a consumer,you'll receive extra guidance and explanations through the appraisal process to more clearly understand what we do and how we document our conclusions.

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

It's very hard to be objective about your own house because you most likely have an emotional attachment to it. Professional appraisers, like the ones at Stacey Riley, are objective. We 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 a very valuable negotiating tool once you have a likely buyer. It's something concrete to show your buyer. The appraisal is an independent third party's opinion of your house's price, not just you saying how much you think your house is worth. Potential buyers know you have an emotional attachment to your home and will be more likely to give credibility to an experienced appraiser's value opinion than yours.

Appraisals to cancel PMI

PMI stands for Private Mortgage Insurance. A fashionable way to cut costs for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan is less than 80% of the value of your house. In most cases you can apply to the lender to have the PMI eliminated from your loan. We're experienced in helping clients just like you dismiss unneeded and unwanted PMI insurance.

Challenging a property tax assessment

Your local tax assessor may have your home overvalued if you live in an area that's declining. This means you are most likely paying higher taxes than you should be paying. The earlier 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 expert appraisal from Stacey Riley is your strongest weapon when contesting your property tax assessment.

Was your HELOC recently frozen?

If your property is in a declining area, your lender may make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be negative on your credit score since it may appear as though that credit line is maxed out, and also difficult from a cash flow point of view. Stacey Riley can provide you with a professional appraisal to help you reinstate your home equity line of credit.

Field and Desktop Appraisal Review Services

Do you need a professional to double-check your appraisal for precision, or do you want a second opinion without the added cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in question in a field review. If you need it immediately, we'll 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 report you may have had in the past. Even though this is usually requested by banks, you may need to employ this service if you suspect mortgage fraud related to your house.