Attention homeowners: Real estate appraisal services for in Santa Cruz and Santa Cruz County

Here are the top reasons CA homeowners call on Mike Doyle:

  1. Find the right listing price (whether they're selling the home themselves or using an agent)
  2. Challenge property tax assessments
  3. Remove PMI to lower a monthly mortgage payment
  4. To reinstate their Home Equity Line of Credit (HELOC)
  5. To review another appraiser's report for verification
  6. In the case of a CA divorce, when property needs to be divided
  7. To settle an estate in Santa Cruz county or CA by determining the true market value of real estate in question

Do you own a house in or near Santa Cruz? Do you need help deciding the value of your real estate?
Contact Mike Doyle.

We at Mike Doyle understand the unique needs of a consumer after appraisal services. Our business practices and reporting formats are familiar to our business clients like banks, attorneys, and CPAs. But as a consumer,we will give you extra guidance and explanations through the appraisal process to better understand what we do and how we present our findings.

Pre-listing Services/For Sale By Owner

It's very hard to be objective about your house because of your emotional attachment to it. Professional appraisers, like the ones at Mike Doyle, are objective. We'll tell you what you need to know, not just what you want to hear. A professional appraisal is a very important negotiating tool once you have an attainable buyer, in addition to helping you set a realistic price to sell at so your property will attract buyers. It's something concrete to show the buyer. An appraisal is an independent third party's opinion of your home's value -- not just how much you think your home is worth. Potential buyers know you have an emotional attachment to your house and will be more likely to give credibility to a seasoned appraiser's value report than yours.

Appraisals to remove PMI

PMI stands for Private Mortgage Insurance. An attractive way to cut costs for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan is below 80% of the value of your house. In most cases you can apply to your lender to have the PMI canceled from your loan. We are veterans in helping people just like you do away with unneeded PMI insurance.

Challenge a property tax assessment

Your local tax assessor may have your house overvalued if your home is not appreciating as much as other properties close by. That only means you're probably paying more taxes than you should. The earlier you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. When challenging your property tax assessment, getting a professional appraisal from Mike Doyle is your best weapon.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender may make the decision to automatically freeze your home equity line of credit (HELOC) if your home is near a declining area. Not only can this be troublesome from a cash flow standpoint, but it can be harmful to your credit score since it may appear as though that credit line is maxed out. Mike Doyle can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Do you need an expert to double-check your appraisal for efficiency, or do you desire a second opinion without the cost and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comps. Or, if you need it 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 desire to employ this service if you suspect mortgage fraud related to your home.