Attention homeowners in San Jose and Santa Clara County: Need an appraisal?

The top 7 reasons CA homeowners order from Gary Leung:

  1. Get a pre-listing appraisal (whether they're selling the home themselves or using an agent)
  2. Challenge a property tax assessment
  3. Remove PMI to lower your monthly mortgage payment
  4. Reinstate their Home Equity Line of Credit (HELOC)
  5. Review a different appraiser's report for verification
  6. In the case of a CA divorce, where real estate needs to be divided
  7. Settle an estate in CA by determining the true market value of property in question

Do you own a home in or near San Jose? Do you need help deciding the value of your real estate?
Contact Gary Leung.

We at Gary Leung understand the special needs of a customer after appraisal services. Our typical business clients get the appraisal process and the usual reporting formats. As our non-traditionalclient, we will give you extra guidance and explanations through the appraisal process to understand what we do and how we present our findings.

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

It's very hard to be objective about your own home because you probably have an emotional attachment to it. The professional appraisers at Gary Leung will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is very valuable as a negotiating tool once you have a likely buyer, in addition to helping you set a realistic selling price so your property will attract interested buyers. The appraisal is something tangible to show the buyer. The appraisal is an independent third party's opinion of your home's value, not just how much your house is worth. Potential buyers know that you have an emotional attachment to your house and will be far more likely to give credibility to a qualified appraiser's value opinion than yours.

Appraisals to remove PMI

A preferred way to cut expenses 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 home, in most cases you can apply to a lender to have the PMI canceled from your loan, which will make your monthly payments go down. We're veterans in helping people just like you rid themselves of unwanted and unneeded PMI insurance.

Challenge Tax Assessment

Your local tax assessor may have your home overvalued if you live in a region that's declining or not appreciating as much as other houses close by. This only 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 faster you take care of things like this, the better off you'll be. An expert appraisal from Gary Leung is your best weapon when challenging your property tax assessment.

Recently got a freeze your HELOC?

If your property is near a declining area, your lender might choose 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 and inconvenient from a cash flow angle. Gary Leung can help you reinstate your home equity line of credit with an expert appraisal.

Need Field and Desktop Appraisal Review Services?

Have you just been given a copy of your appraisal and you'd prefer to have a seasoned professional double-check it for efficiency or do you desire a second opinion without the added expense and delay of waiting for a whole new appraisal? Gary Leung offers field reviews where we'll go out and check the subject and comparables. If you're in a hurry, 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.

Do you need a retrospective review of an appraisal report? Gary Leung can help with that too. While typically requested by banks, you may wish to exploit this service if you suspect mortgage fraud related to your home.