Attention homeowners in Running Springs and San Bernardino County: Get an Appraisal today!

The top seven reasons why California homeowners need Steven Norris:

Get a pre-listing appraisal (whether they're selling the home themselves or using an agent)
Challenge property tax assessments
To lower a monthly mortgage payment by removing PMI
To reinstate your Home Equity Line of Credit (HELOC)
Verify a different appraiser's report
If real estate property needs to be divided because of a divorce
Settle an estate in California by determining the true market value of a property


	Do you own a home in or near Running Springs? Do you need help deciding the price of your real estate? Contact Steven Norris.

We at Steven Norris understand the individual needs of a homeowner looking for appraisal services. Our typical business clients get the appraisal process and the standard "products" we deliver to them. As our client, you can expect extra guidance and explanations through the appraisal process to more clearly understand what we do and how we report the results of our analysis.

For Sale by Owner/Pre-Listing Services

It's very hard to be objective about your home because of your 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 buyers, a professional appraisal is very important as a negotiating tool once you have a potential buyer. It gives you something tangible to show the buyer. It's an independent third party's opinion of your house's value, and not just you saying how much your house is worth. Potential buyers know that you have an emotional attachment to your home and will be much more likely to give credibility to a qualified appraiser's value estimation than yours.

Challenging property tax assessments

Your local tax assessor may have your home overvalued if your home is not appreciating as much as other properties nearby. This only means you are going to pay higher taxes than you should be paying. The sooner you take care of things like this, the better, since your property assessment may likely go up again in the next period. When contesting your property tax assessment, getting an expert appraisal from Steven Norris is your best weapon.

Appraisals to cancel PMI

PMI stands for Private Mortgage Insurance. A popular way to cut costs for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is down below 80% of the value of your home, in most cases you can apply to your lender to have the PMI removed from your loan, which will make your monthly payments go down. We're veterans in helping clients just like you dismiss unwanted and unneeded PMI insurance.

HELOC recently frozen?

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

Do You Need Field and Desktop Appraisal Review Services?

Have you just received a copy of your appraisal and you would wish to have a professional double-check it for efficiency or do you want a second opinion without the expense and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comparables in question. If you're in a rush, 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? Steven Norris can help you with that. While usually requested by banks, you may desire to exercise this service if you suspect mortgage fraud related to your house.