Attention homeowners in San Francisco and San Francisco County: Get an Appraisal today!

Here are the top seven reasons why CA homeowners hire Michael Flores:

  1. Get a pre-listing appraisal (whether they're selling the home themselves or using a real estate agent)
  2. To challenge a CA property tax assessment
  3. Remove PMI to reduce a mortgage payments
  4. To reinstate your Home Equity Line of Credit (or HELOC)
  5. Verify another appraiser's report
  6. If real estate needs to be divided because of a divorce
  7. Determine the true market value of property in question to settle an estate in San Francisco county or CA

Need help deciding the value of your house in or near San Francisco, CA?
Contact Michael Flores.

We at Michael Flores understand the special needs of a consumer seeking appraisal services. While our usual business 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.

Pre-listing Services/For Sale By Owner

Since you have an emotional attachment to your house, it's often very hard to be objective about it. Our professional appraisers at Michael Flores are objective. We won't just tell you what you want to hear, we will tell you what you need to know. In addition to helping you set a realistic selling price so your property will attract buyers, a professional appraisal is a very important negotiating tool once you have a potential buyer. It's something concrete to show the buyer. An appraisal is an independent third party's opinion of your house's price -- not just you saying how much your house is worth. Interested buyers know you have an emotional attachment to your house and will be far more likely to give credibility to a seasoned appraiser's value assessment than yours.

Need to cancel PMI?

An attractive way to cut costs 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 below 80% of the value of your house, in most cases you can apply to your lender to have the PMI removed from your loan, which will make your monthly payments go down. We are experts in helping homeowners just like you delete undesirable PMI insurance.

Challenge Tax Assessment

Your local tax assessor may have your home overvalued if you live in a local area that's going down. That only means you're most likely paying more taxes than you should. The earlier you take care of things like this, the better, since your property assessment may likely go up again in the next period. When challenging your property tax assessment, getting an appraisal report from Michael Flores is your chief weapon.

HELOC recently frozen?

Your lender just might choose to automatically freeze your home equity line of credit (HELOC) if your property is near a declining area -- even if your specific property has not declined in value. This can be be negative on your credit score since it may appear as though that credit line is maxed out, and also unsuitable from a cash flow angle. A professional appraisal from Michael Flores can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Have you just accepted a copy of your appraisal and you would prefer to have a professional double-check it for preciseness or do you need a second opinion without the added expense and delay of waiting for a whole new appraisal? Michael Flores offers field reviews where we'll go out and check the subject and comparables in question. Or, if you need it ASAP, 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.

Need a retrospective review of an appraisal report? We can We can assist you While typically requested by banks, you may want to make use of this service if you suspect mortgage fraud related to your property.