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

Check out the top seven reasons CA homeowners call on Michael Fagan :

  1. Get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
  2. Challenge property tax assessments
  3. To cut a mortgage payment by removing PMI
  4. To reinstate your Home Equity Line of Credit (or HELOC)
  5. Verify a different appraiser's report
  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 real estate in question

Own a house in or near Cupertino, CA and need help deciding the price of it?
Contact Michael Fagan .

At Michael Fagan , we understand the individual needs of a homeowner seeking appraisal services. While our typical clients understand the appraisal process and standard reporting formats, you as a consumer will get extra customer service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.

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

Since you have an emotional attachment to your own house, it's often very hard to be objective about it. Our professional appraisers at Michael Fagan 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 price to sell at so your property will attract interested buyers, a professional appraisal is a very important negotiating tool once you have a potential buyer. It gives you something tangible to show the buyer. The appraisal is an independent third party's opinion of your house's price, not just how much your house is worth. Potential buyers assume you have an emotional attachment to your house and will be far more likely to give credibility to an accomplished appraiser's value report than yours.

Need to remove PMI?

A popular way to cut costs 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". 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 canceled from your loan. We are experts in helping clients just like you rid themselves of undesirable PMI insurance.

Challenge Tax Assessment

Your local tax assessor may have your home overvalued if you live in an area that is declining. This means you're probably paying 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 a matter like this, the better off you'll be. A professional appraisal from Michael Fagan is your chief weapon when challenging your property tax assessment.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender may just make the decision to automatically freeze your home equity line of credit (HELOC) if your house is in a declining area. This can this be difficult from a cash flow point of view, and negative on your credit score since it may appear as though that credit line is maxed out. Michael Fagan can help you reinstate your HELOC.

We Offer Field and Desktop Appraisal Review Services

Would you prefer a second opinion without the charge and delay of waiting for a whole new appraisal? Or do you need a professional to double-check your appraisal for preciseness? We can go out and check the subject and comps in question in a field review. If you need it in a rush, 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.

Need a retrospective review of an appraisal report? We can help with that too. While typically requested by banks, you may wish to make use of this service if you suspect mortgage fraud related to your house.