Attention homeowners in Nipomo and San Luis Obispo County: Get an Appraisal today!

Check out the top 7 reasons why CA homeowners use Rick Simmons Appraisals:

  1. Get a pre-listing appraisal (whether they're selling the home on their own or using an agent)
  2. Challenge a property tax assessment
  3. Remove PMI to lower their monthly mortgage payment
  4. To reinstate their Home Equity Line of Credit (or 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 San Luis Obispo county or CA by determining the true market value of property in question

Own a house in or near Nipomo, CA and need help determining the value of it?
Contact Rick Simmons Appraisals.

We at Rick Simmons Appraisals understand the particular needs of a homeowner in need of appraisal services. Our business practices and reporting formats are familiar to our business clients like banks, lawyers, and CPAs. As our valued client, we'll be sure you get extra guidance and explanations through the appraisal process to more clearly understand what we do and how we present our findings.

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

Since you have an emotional attachment to your own house, 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. A professional appraisal is a crucial negotiating tool once you have a likely buyer, in addition to helping you set a realistic selling price so your property will attract many interested buyers. It gives you something concrete to show the buyer. An appraisal is an independent third party's opinion of your home's value -- not just you saying how much you think your home is worth. Interested buyers know that you have an emotional attachment to your house and will be more likely to give credibility to a professional appraiser's value assessment than yours.

Appraisals to remove PMI

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is an attractive way to cut costs for homeowners. Once your mortgage loan is down below 80% of the value of your house, in most cases you can apply to a lender to have the PMI canceled from your loan, which will make your monthly payments go down. At Rick Simmons Appraisals, we're experienced in helping customers just like you do away with unwanted PMI insurance.

Challenging a property tax assessment

Lets say you live in a region that is declining -- your local tax assessor may have your house overvalued. This only 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 sooner you take care of a matter like this, the better. A professional appraisal from Rick Simmons Appraisals is your best weapon when contesting your property tax assessment.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender just may make the decision to automatically freeze your home equity line of credit (HELOC) if your home is in a declining area. This can this be inconvenient from a cash flow angle, and damaging to your credit score since it may appear as though that credit line is maxed out. Rick Simmons Appraisals can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Have you just been handed a copy of your appraisal and you would prefer to have a veteran appraiser double-check it for accuracy or do you want a second opinion without the cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in a field review. Or, if you need it immediately, 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? We can help with that too. While typically requested by banks, you may need to make use of this service if you suspect mortgage fraud related to your house.