Attention homeowners in Mount Shasta and Siskiyou County: Get an Appraisal today!

See the top 7 reasons CA homeowners hire Keith Stone Appraiser:

Get a pre-listing appraisal (whether they're selling the home themselves or using an agent)
Challenge property tax assessments
Remove PMI to lower a monthly mortgage payment
To reinstate their Home Equity Line of Credit (or HELOC)
To review another appraiser's report for verification
If property needs to be divided because of a divorce
To settle an estate in CA by determining the true market value of property in question

Do you own a house in or near Mount Shasta? Do you need help deciding the price of your real estate?
Contact Keith Stone Appraiser.

We at Keith Stone Appraiser understand the unique needs of a homeowner seeking appraisal services. While our usual clients understand the appraisal process and standard reporting formats, you as a consumer will get extra 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

Since you have an emotional attachment to your own home, it's often very hard to be objective about it. The professional appraisers at Keith Stone Appraiser 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 property will attract buyers, a professional appraisal is a very important negotiating tool once you have an attainable buyer. The appraisal is something concrete to show the buyer. The appraisal is an independent third party's opinion of your property's price, not just you saying how much you think your home is worth. Potential buyers know that you have an emotional attachment to your home and will be more likely to give credibility to an experienced appraiser's value estimation than yours.

Appraisals to cancel PMI

A popular way to cut expenses 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". Your monthly payments will go down once your mortgage loan is less than 80% of the value of your home. In most cases you can apply to your lender to have the PMI eliminated from your loan. Keith Stone Appraiser is experts in helping people just like you rid yourselves of unwanted and unneeded PMI insurance.

Challenging property tax assessments

Lets say your house is not appreciating as much as other homes close to yours -- your local tax assessor may have your house overvalued. This only means you are probably paying higher taxes than you should be paying. The earlier you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. An appraisal report from Keith Stone Appraiser is your perfect weapon when challenging your property tax assessment.

HELOC recently frozen?

If your property is near a declining area, your lender might make the decision 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 point of view, but it can be bad for your credit score since it may appear as though that credit line is maxed out. Keith Stone Appraiser can provide you with efficient appraisal to help you reinstate your home equity line of credit.

Field and Desktop Appraisal Review Services

Do you need a professional to double-check your appraisal for verity, or do you need a second opinion without the added expense and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comparables. 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.

We can also provide you with a a retrospective review of any appraisal you may have had done before. While usually requested by banks, you may need to take advantage of this service if you suspect mortgage fraud related to your property.