Attention homeowners in Modesto and Stanislaus County: Get an Appraisal today!

The top 7 reasons why CA homeowners order from Rayl Appraisals:

Find the right listing price (whether they're selling the home on their own or using an agent)
Challenge property tax assessments
Remove PMI to reduce your mortgage payment
To reinstate their Home Equity Line of Credit (HELOC)
To review a different appraiser's report for verification
In the case of a CA divorce, when property needs to be divided
To settle an estate in CA by determining the true market value of real estate in question

Own a home in or near Modesto, CA and need help determining the price of it?
Contact Rayl Appraisals.

We at Rayl Appraisals understand the special needs of a customer seeking appraisal services. While our typical business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.

For Sale By Owner/Pre-Listing Services

Since you have an emotional attachment to your own house, it's often very hard to be objective about it. Our professional appraisers at Rayl Appraisals 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 valuable negotiating tool once you have a likely buyer, in addition to helping you set a realistic price to sell at so your house will attract buyers. It gives you something tangible to show the buyer. An appraisal is an independent third party's opinion of your home's value -- not just you saying how much you think your home is worth. Potential buyers know you have an emotional attachment to your home and will be much more likely to give credibility to a professional appraiser's value conclusion than yours.

Appraisals to remove PMI

PMI stands for Private Mortgage Insurance. An attractive money saver for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan amount is below 80% of the value of your property. In most cases you can apply to the lender to have the PMI eliminated from your loan. Rayl Appraisals is experienced in helping customers just like you dismiss unneeded PMI insurance.

Challenge Tax Assessment

If you live in a local area that is declining or not appreciating as much as other properties nearby, your local tax assessor may have your home overvalued. That only means you are most likely paying more taxes than you should. The sooner 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 appraisal report from Rayl Appraisals is your strongest weapon when contesting your property tax assessment.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender just might choose to automatically freeze your home equity line of credit (HELOC) if your property is in a declining area. This can this be unsuitable from a cash flow viewpoint, and damaging to your credit score since it may appear as though that credit line is maxed out. Rayl Appraisals can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Do you need a professional to double-check your appraisal for accuracy, or do you need a second opinion without the charge and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in a field review. Or, if you need it immediately, 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 We can assist you While usually requested by banks, you may wish to use this service if you suspect mortgage fraud related to your property.