Appraisal services for Concord and Contra Costa County homeowners

Check out the top 7 reasons why CA homeowners use Tam Appraisal Services:

  1. Get a pre-listing appraisal (whether they're selling the home themselves or using a real estate agent)
  2. To challenge a CA property tax assessment
  3. Remove PMI to cut their monthly mortgage payment
  4. To reinstate their Home Equity Line of Credit (HELOC)
  5. Verify a different appraiser's report
  6. If property needs to be divided because of a divorce
  7. 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 Concord, CA?
Contact Tam Appraisal Services.

At Tam Appraisal Services, we understand the unique needs of a homeowner looking for appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like banks, lawyers, and CPAs. But as a consumer,you'll receive extra guidance and explanations through the appraisal process to more fully understand what we do and how we report the results of our analysis.

Pre-listing Services/For Sale By Owner

It's very hard to be objective about your house because you most likely have an emotional attachment to it. Our professional appraisers at Tam Appraisal Services are objective. We won't just tell you what you want to hear, we will tell you what you need to know. A professional appraisal is a very important negotiating tool once you have an interested buyer, in addition to helping you set a realistic price to sell at so your property will attract buyers. It gives you something concrete to show your buyer. It's an independent third party's opinion of your property's price, and 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 a qualified appraiser's value opinion than yours.

Appraisals to remove PMI

PMI stands for Private Mortgage Insurance. A preferred money saver 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 less than 80% of the value of your property, 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. We are qualified in helping homeowners just like you do away with unnecessary PMI insurance.

Challenge property tax assessments

Your local tax assessor may have your home overvalued if your home not appreciating as much as other homes close to yours. This only means you are going to pay higher taxes than you should be paying. The sooner you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. An appraisal from Tam Appraisal Services is your perfect weapon when contesting your property tax assessment.

Recently got a freeze your HELOC?

Even if your specific property has not declined in value, your lender might make the decision to automatically freeze your home equity line of credit (HELOC) if your house is close to a declining area. Not only can this be annoying from a cash flow viewpoint, but it can be damaging to your credit score since it may appear as though that credit line is maxed out. A professional appraisal from Tam Appraisal Services can help you reinstate your HELOC.

We Also Provide Field and Desktop Appraisal Review Services

Would you like a second opinion without the added expense and delay of waiting for a whole new appraisal? Or do you need a seasoned professional to double-check your appraisal for efficiency? Tam Appraisal Services offers field reviews where we go out and check the subject and comps. Or, if you're 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.

Need a retrospective review of an appraisal? We can help with that too. Even though this is usually requested by banks, you may need to take advantage of this service if you suspect mortgage fraud related to your property.