Need an appraisal in Rancho Murieta or Sacramento County?

See the top 7 reasons CA homeowners use Harry Miller Associates:

  1. Find the right listing price (whether you're using a real estate agent or selling the home on your own)
  2. Challenge Sacramento county's assessment of your property
  3. Remove PMI to cut a mortgage payment
  4. To reinstate your Home Equity Line of Credit (HELOC)
  5. Review a different appraiser's report for verification
  6. In the case of a CA divorce, when property needs to be divided
  7. To settle an estate in Sacramento county or CA by determining the true market value of property in question

Do you own a house in or near Rancho Murieta? Do you need help deciding the price of your real estate?
Contact Harry Miller Associates.

We at Harry Miller Associates 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 extra customer service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.

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

It's very hard to be objective about your own house because you probably have an emotional attachment to it. The professional appraisers at Harry Miller Associates 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 price to sell at so your house will attract interested buyers, a professional appraisal is a very important negotiating tool once you have a potential buyer. It gives you something concrete to show the buyer. The appraisal is an independent third party's opinion of your property's price, not just how much your house is worth. Interested buyers assume you have an emotional attachment to your home and will be more likely to give credibility to a seasoned appraiser's value opinion than yours.

PMI Removal Appraisals

A fashionable way to cut costs for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Your monthly payments will go down once your mortgage loan is down below 80% of the value of your house. In most cases you can apply to your lender to have the PMI canceled from your loan. At Harry Miller Associates, we're experts in helping folks just like you abolish unneeded PMI insurance.

Challenge Sacramento county's assessment of your property

Your local tax assessor may have your home overvalued if your home not appreciating as much as other properties close to yours. This means you're going to pay higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the quicker you take care of things like this, the better. Getting an expert appraisal from Harry Miller Associates is your perfect weapon when challenging your property tax assessment.

Recently got a freeze your HELOC?

If your house is close to a declining area, your lender might just decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can this be disadvantageous from a cash flow point of view, and harmful to your credit score since it may appear as though that credit line is maxed out. Harry Miller Associates can help you reinstate your home equity line of credit with an expert appraisal.

We Offer Field and Desktop Appraisal Review Services

Have you just received a copy of your appraisal and you would like to have a veteran appraiser double-check it for accuracy or do you want a second opinion without the added expense and delay of waiting for a whole new appraisal? An appraiser from Harry Miller Associates can go out and check the subject and comparables in a field review. 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? Harry Miller Associates can help you with that. While usually requested by banks, you may want to employ this service if you suspect mortgage fraud related to your home.