Appraisal services for Oroville and Butte County homeowners

Here are the top 7 reasons why CA homeowners call on Todd Andoe:

Find the right listing price (whether you're using a real estate agent or selling the home on your own)
Challenge a property tax assessment
Remove PMI to cut their mortgage payment
Reinstate your Home Equity Line of Credit (HELOC)
Verify a different appraiser's report
In the case of a CA divorce, where real estate needs to be divided
Settle an estate in CA by determining the true market value of real estate in question

Own a home in or near Oroville, CA and need help deciding the price of it?
Contact Todd Andoe.

At Todd Andoe, we understand the individual needs of a homeowner looking for appraisal services. While our typical 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)

Since you have an emotional attachment to your 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 very crucial as a negotiating tool once you have a potential buyer, in addition to helping you set a realistic price to sell at so your house will attract buyers. It's something tangible to show your buyer. The appraisal is an independent third party's opinion of your home's price, not just you saying how much you think your house is worth. Potential buyers know you have an emotional attachment to your house and will be more likely to give credibility to an expert appraiser's value opinion than yours.

Appraisals to cancel PMI

An attractive way to cut costs for homeowners is getting the PMI canceled 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 down below 80% of the value of your property. In most cases you can apply to your lender to have the PMI eliminated from your loan. At Todd Andoe, we're experts in helping clients just like you rid themselves of unwanted and unneeded PMI insurance.

Challenge property tax assessments

Your local tax assessor may have your house overvalued if you live in a local area that is declining or is not appreciating as much as other houses close by. This means you're probably paying higher taxes than you should be paying. The sooner you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. An appraisal report from Todd Andoe is your number one weapon when contesting your property tax assessment.

Was your HELOC recently frozen?

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

Field and Desktop Appraisal Review Services

Have you just been handed a copy of your appraisal and you'd prefer to have a seasoned expert double-check it for accuracy or do you want a second opinion without the cost and delay of waiting for a whole new appraisal? An appraiser from Todd Andoe can go out and check the subject and comparables 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? Todd Andoe can help with that too. Even though this is typically requested by banks, you may desire to utilize this service if you suspect mortgage fraud related to your house.