Attention homeowners in Carmel Valley and Monterey County: Get an Appraisal today!

The top seven reasons why CA homeowners need Michelle Teel:

To get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
Challenge property tax assessments
To cut their mortgage payments by removing PMI
To reinstate your Home Equity Line of Credit (HELOC)
Review another appraiser's report for verification
In the case of a CA divorce, when property needs to be divided
Settle an estate in CA by determining the true market value of real estate in question

Do you own a house in or near Carmel Valley? Do you need help deciding the price of your real estate?
Contact Michelle Teel.

At Michelle Teel, we understand the unique needs of a customer in need of appraisal services. Our business practices and reporting formats are relatively routine to our business clients like lenders, attorneys, and CPAs. Being a regular homeowner that probably doesn't look at appraisals on a regular basis,we will provide you with extra guidance and explanations through the appraisal process to understand what we do and how we document our findings.

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

It's very hard to be objective about your own home because you most likely have an emotional attachment to it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic price to sell at so your home will attract interested buyers, a professional appraisal is very crucial as a negotiating tool once you have an attainable buyer. The appraisal is something tangible to show the buyer. The appraisal is an independent third party's opinion of your house's value, not just how much you think your house is worth. Interested buyers know that you have an emotional attachment to your house and will be more likely to give credibility to an experienced appraiser's value judgement than yours.

Appraisals to remove PMI

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a fashionable way to save money for homeowners. Once your mortgage loan is less than 80% of the value of your property, in most cases you can apply to your lender to have the PMI canceled from your loan, which will make your monthly payments go down. Michelle Teel is experts in helping consumers just like you remove unwanted and unneeded PMI insurance.

Challenging a property tax assessment

Your local tax assessor may have your house overvalued if you live in an area that is going down or is not appreciating as much as other houses nearby. This only means you're paying higher taxes than you should be paying. 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. Getting an appraisal report from Michelle Teel is your strongest weapon when contesting your property tax assessment.

Recently got a freeze your HELOC?

Your lender may just choose to automatically freeze your home equity line of credit (HELOC) if your house is close to a declining area -- even if your specific property has not declined in value. Not only can this be disadvantageous from a cash flow angle, but it can be detrimental to your credit score since it may appear as though that credit line is maxed out. Michelle Teel can help you reinstate your HELOC.

We Provide Field and Desktop Appraisal Review Services

Would you wish a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you want an expert to double-check your appraisal for verity? We can go out and check the subject and comparables in a field review. If you're in a hurry, 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 usually requested by banks, you may need to make use of this service if you suspect mortgage fraud related to your home.