Real estate appraisal services for homeowners in the city of Morgan Hill and Santa Clara County

See the top 7 reasons CA homeowners use Direct Valuation Inc.:

To get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
Challenge Santa Clara county's assessment of your property
To lower your mortgage payments by removing PMI
Reinstate your 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
To determine the true market value of property in question to settle an estate

Own a home in or near Morgan Hill, CA and need help deciding the price of it?
Contact Direct Valuation Inc..

We at Direct Valuation Inc. understand the individual needs of a homeowner seeking appraisal services. The appraisal process and reporting formats are familiar to our business clients like banks, lawyers, and accountants. Being a consumer that probably doesn't look at appraisals on a regular basis,we will give you extra guidance and explanations through the appraisal process to 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 house because of your emotional attachment to it. Our professional appraisers at Direct Valuation Inc. are objective. We won't just tell you what you want to hear, we will tell you what you need to know. In addition to helping you set a realistic selling price so your house will attract buyers, a professional appraisal is a crucial negotiating tool once you have a potential buyer. The appraisal is something concrete to show the buyer. It's an independent third party's opinion of your house's value, and not just how much you think your house is worth. Potential buyers know you have an emotional attachment to your house and will be much more likely to give credibility to a seasoned appraiser's value assessment than yours.

Appraisals to remove PMI

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a popular way to cut expenses for homeowners. Your monthly payments will go down once your mortgage loan is down below 80% of the value of your home. In most cases you can apply to your lender to have the PMI canceled from your loan. Direct Valuation Inc. is experienced in helping homeowners just like you rid themselves of unnecessary PMI insurance.

Challenge property tax assessments

Your local tax assessor may have your house overvalued if your home not appreciating as much as other homes close by. That only means you're probably paying more taxes than you should. The quicker you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. Getting a professional appraisal from Direct Valuation Inc. is your chief weapon when contesting your property tax assessment.

HELOC recently frozen?

If your house is in a declining area, your lender may decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can this be inopportune from a cash flow point of view, and detrimental to your credit score since it may appear as though that credit line is maxed out. Direct Valuation Inc. can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Have you just been given a copy of your appraisal and you would wish to have a seasoned expert double-check it for accuracy or do you desire 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. 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.

Do you need a retrospective review of an appraisal report? Direct Valuation Inc. can help you with that. While usually requested by banks, you may want to use this service if you suspect mortgage fraud related to your home.