Appraisal services for Petaluma and Sonoma County homeowners

The top reasons CA homeowners need Delphi Advisors:

  1. Get a pre-listing appraisal (whether they're selling the home themselves or using a real estate agent)
  2. Challenge Sonoma county's assessment of your propertyworth
  3. To lower their monthly mortgage payment by removing PMI
  4. To reinstate their Home Equity Line of Credit (HELOC)
  5. Verify another appraiser's report
  6. In the case of a CA divorce, when real estate needs to be divided
  7. Settle an estate in CA by determining the true market value of property in question

Need help deciding the value of your home in or near Petaluma, CA?
Contact Delphi Advisors.

We at Delphi Advisors understand the unique needs of a customer looking for appraisal services. Our customary 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 more clearly understand what we do and how we document our conclusions.

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

Since you have an emotional attachment to your own home, it's often very hard to be objective about 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 property will attract interested buyers, a professional appraisal is a very important negotiating tool once you have an attainable buyer. It's something tangible to show the buyer. The appraisal is an independent third party's opinion of your home's price, not just how much your house is worth. Potential buyers assume that you have an emotional attachment to your house and will be far more likely to give credibility to an accomplished appraiser's value report than yours.

PMI Removal Appraisals

PMI stands for Private Mortgage Insurance. A popular money saver for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan amount is less than 80% of the value of your property. In most cases you can apply to your lender to have the PMI canceled from your loan. At Delphi Advisors, we're veterans in helping homeowners just like you dismiss unneeded PMI insurance.

Challenging Sonoma county's assessment of your property

Your local tax assessor may have your house overvalued if you live in a local area that's declining or is not appreciating as much as other properties close to yours. This means you are most likely paying higher taxes than you should be paying. The faster you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. When challenging your property tax assessment, getting a professional appraisal from Delphi Advisors is your strongest weapon.

Recently got a freeze your HELOC?

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

Field and Desktop Appraisal Review Services

Do you need a veteran appraiser to double-check your appraisal for accuracy, or do you want a second opinion without the cost and delay of waiting for a whole new appraisal? An appraiser from Delphi Advisors can go out and check the subject and comps in question in a field review. Or, if you're in a rush, we can provide you with a 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? Delphi Advisors can help you with that. While typically requested by banks, you may want to exploit this service if you suspect mortgage fraud related to your property.