Attention homeowners in Petaluma and Sonoma County: Need an appraisal?

The top seven reasons why CA homeowners need Bard Appraisal Services:

Find the right listing price (whether you're using a real estate agent or selling the home on your own)
To challenge a CA property tax assessment
To cut a monthly mortgage payment by removing PMI
Reinstate your Home Equity Line of Credit (or HELOC)
Verify a different appraiser's report
If real estate needs to be divided because of a divorce
Determine the true market value of property in question to settle an estate

Need help deciding the price of your home in or near Petaluma, CA?
Contact Bard Appraisal Services.

At Bard Appraisal Services, we understand the particular needs of a customer looking for appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like lenders, attorneys, and CPAs. Being a regular person not in the real estate field that probably doesn't look at appraisals every day,we'll be sure you get extra guidance and explanations through the appraisal process to more clearly understand what we do and how we report the results of our analysis.

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

Since you have an emotional attachment to your own home, it's often very hard to be objective about it. Our professional appraisers at Bard Appraisal Services 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 crucial negotiating tool once you have a likely buyer, in addition to helping you set a realistic price to sell at so your home will attract buyers. It's something concrete to show the buyer. The appraisal is an independent third party's opinion of your property's value, not just you saying how much your house is worth. Interested buyers assume that you have an emotional attachment to your home and will be more likely to give credibility to an experienced appraiser's value opinion than yours.

Need to cancel PMI?

An attractive way to cut expenses for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan is below 80% of the value of your home, in most cases you can apply to a lender to have the PMI eliminated from your loan, which will make your monthly payments go down. Bard Appraisal Services is experienced in helping clients just like you rid yourselves of unneeded PMI insurance.

Challenge Sonoma county's assessment of your property

Your local tax assessor may have your house overvalued if you live in an area that's going down. That means you're most likely paying more taxes than you should. The sooner 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 contesting your property tax assessment, getting a professional appraisal from Bard Appraisal Services is your strongest weapon.

HELOC recently frozen?

If your property is in or near a declining area, your lender might just make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be troublesome from a cash flow point of view, but it can be destructive to your credit score since it may appear as though that credit line is maxed out. An expert appraisal from Bard Appraisal Services can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Do you need a seasoned appraiser to double-check your appraisal for preciseness, or do you want a second opinion without the charge and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comps. If you need it ASAP, 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? Bard Appraisal Services can We can assist you. Even though this is usually requested by banks, you may want to exploit this service if you suspect mortgage fraud related to your property.