Real estate appraisal services for homeowners in the city of Santa Barbara and Santa Barbara County

Here are the top reasons CA homeowners use TRHome Appraisals:

To get a pre-listing appraisal (whether they're selling the home themselves or using an agent)
To challenge a CA property tax assessment
Remove PMI to lower a mortgage payment
Reinstate your Home Equity Line of Credit (HELOC)
To review a different appraiser's report for verification
If real estate property needs to be divided because of a divorce
Determine the true market value of property in question to settle an estate in Santa Barbara county or CA

Do you own a home in or near Santa Barbara? Do you need help determining the price of your real estate?
Contact TRHome Appraisals.

At TRHome Appraisals, we understand the special needs of a customer looking for appraisal services. Our typical business clients are used to the appraisal process and the usual reporting formats. But as a consumer,we will provide you with extra guidance and explanations through the appraisal process to understand what we do and how we present our conclusions.

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. The professional appraisers at TRHome Appraisals will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic selling price so your house will attract interested buyers, a professional appraisal is very important as a negotiating tool once you have an attainable buyer. It's something tangible to show your buyer. It's an independent third party's opinion of your house's price, and not just you saying how much your home is worth. Potential buyers assume you have an emotional attachment to your house and will be more likely to give credibility to a professional appraiser's value judgement than yours.

Need to remove PMI?

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a popular way to cut expenses for homeowners. Once your mortgage loan amount is less than 80% of the value of your house, in most cases you can apply to your lender to have the PMI eliminated from your loan, which will make your monthly payments go down. TRHome Appraisals is qualified in helping clients just like you delete unwanted PMI insurance.

Challenging property tax assessments

Your local tax assessor may have your home overvalued if your house not appreciating as much as other properties nearby. This only means you are paying higher taxes than you should be paying. The faster 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. Getting a professional appraisal from TRHome Appraisals is your strongest weapon when contesting your property tax assessment.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender may just choose to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area. This can this be unsuitable from a cash flow standpoint, and detrimental to your credit score since it may appear as though that credit line is maxed out. TRHome Appraisals can provide you with a professional appraisal that will help you reinstate your home equity line of credit.

Do You Need Field and Desktop Appraisal Review Services?

Would you wish a second opinion without the charge and delay of waiting for a whole new appraisal? Or do you want a veteran appraiser to double-check your appraisal for verity? We can go out and check the subject and comps in question in a field review. 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? TRHome Appraisals can help you with that. While usually requested by banks, you may desire to take advantage of this service if you suspect mortgage fraud related to your property.