Need an appraisal in Bermuda Dunes or Riverside County?

Check out the top reasons CA homeowners hire Michael Spurlock:

Find the right listing price (whether you're using an agent or selling the home on your own)
Challenge property tax assessments
To cut a mortgage payments by removing PMI
Reinstate your Home Equity Line of Credit (or HELOC)
Review a different appraiser's report for verification
If property needs to be divided because of a divorce
To determine the true market value of property in question to settle an estate

Do you own a house in or near Bermuda Dunes? Do you need help determining the value of your real estate?
Contact Michael Spurlock.

We at Michael Spurlock understand the special needs of a homeowner 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)

It's very hard to be objective about your home because you probably have an emotional attachment to it. The professional appraisers at Michael Spurlock will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is a very valuable negotiating tool once you have a potential buyer, in addition to helping you set a realistic selling price so your home 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 price, not just you saying how much your home is worth. Potential buyers know you have an emotional attachment to your home and will be far more likely to give credibility to an experienced appraiser's value opinion than yours.

Need to cancel PMI?

An attractive way to cut expenses for homeowners is to get the PMI eliminated 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 below 80% of the value of your home. In most cases you can apply to the lender to have the PMI eliminated from your loan. Michael Spurlock is qualified in helping clients just like you remove undesirable 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 homes close by. This means you're probably paying 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 appraisal report from Michael Spurlock is your perfect weapon when challenging your property tax assessment.

Recently got a freeze your HELOC?

If your house is in a declining area, your lender just might choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be inopportune from a cash flow standpoint, but it can be bad for your credit score since it may appear as though that credit line is maxed out. Michael Spurlock can help you reinstate your HELOC.

We Also Provide Field and Desktop Appraisal Review Services

Have you just been given a copy of your appraisal and you'd like to have a veteran appraiser double-check it for efficiency or do you desire a second opinion without the added expense and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comparables in question. Or, if you're in a rush, we can provide desk review and verify as many facts as we can using online data sources as well as our own files.

We can also provide you with a a retrospective review of any appraisal you may have had in the past. Even though this is usually requested by banks, you may need to employ this service if you suspect mortgage fraud related to your house.