Need an appraisal in Bakersfield or Kern County?

Check out the top seven reasons why CA homeowners call on Kim Ryder Appraisals:

Pre-listing appraisals (whether they're selling the home themselves or using an agent)
To challenge a CA property tax assessment
To cut their monthly mortgage payment by removing PMI
Reinstate your Home Equity Line of Credit (or HELOC)
Verify a different appraiser's report
In the case of a CA divorce, where real estate needs to be divided
To determine the true market value of real estate in question to settle an estate

Do you own a home in or near Bakersfield? Do you need help deciding the value of your real estate?
Contact Kim Ryder Appraisals.

At Kim Ryder Appraisals, we understand the unique needs of a customer in need of appraisal services. While our usual clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of customer service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.

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. Professional appraisers, like the ones at Kim Ryder Appraisals, are objective. We will tell you what you need to know, not just what you want to hear. A professional appraisal is very valuable as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic price to sell at so your property will attract interested buyers. It gives you something concrete to show your buyer. The appraisal is an independent third party's opinion of your home's value, not just how much your home is worth. Interested buyers know you have an emotional attachment to your house and will be far more likely to give credibility to a qualified appraiser's value opinion than yours.

Need to cancel PMI?

A preferred money saver for homeowners is getting 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 less than 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. At Kim Ryder Appraisals, we're experienced in helping folks just like you abolish unwanted PMI insurance.

Challenging a property tax assessment

Lets say your house is not appreciating as much as other houses close by -- your local tax assessor may have your house overvalued. That only means you are probably paying more taxes than you should. Since your property assessment may likely go up again in the next period, the quicker you take care of things like this, the better. When challenging your property tax assessment, getting an appraisal from Kim Ryder Appraisals is your strongest weapon.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender may decide to automatically freeze your home equity line of credit (HELOC) if your home is near a declining area. Not only can this be disadvantageous from a cash flow viewpoint, but it can be destructive to your credit score since it may appear as though that credit line is maxed out. Kim Ryder Appraisals can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Have you just been handed a copy of your appraisal and you would wish to have a veteran appraiser double-check it for precision or do you desire a second opinion without the added expense and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in question in a field review. If you need it immediately, we'll 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. While typically requested by banks, you may need to exercise this service if you suspect mortgage fraud related to your home.