Homeowner Appraisal Services
Napa Valley homeowners need appraisals or appraisal reviews from Brauning Appraisals for a variety of reasons, including a mortgage refinance, home equity loans, Pre-listing services, and PMI removal. When you order an appraisal or review from us, you can rest assured that you will get the best in professional service, courtesy, and quality.
Lets say you want to remodel your kitchen or add a bath or put in a pool. Maybe you want to do a large addition. What will that add to the value of your home? Can you get your money out when you sell? Can you make some profit? We can work with you and advise you as to the cost vs. benefit of changes you may want to do to your home.
Manufactured homes have very specific appraisal requirements. Fannie Mae issued new guidelines in 2003 which require appraisers to have special training and experience. Both Dan and Leon Brauning have attended the required training classes with Andy Anderson who trained the Fannie Mae underwriters and we have the necessary experience to appraiseryour manufactured home right the first time. Homeowners should call us to obtain our Manufactured Housing Check List to be prepared for a sale or refinance appraisal.
Refinance / Home Equity
Be sure that you request Brauning Appraisals if your lender asks you for YOUR choice of appraisal firms. More than likely we are already on their "approved list", and if not we will quickly provide your lender with the necessary documentation to become approved.
For-Sale-By-Owner (FSBO) / Pre-Listing Services
It's very hard to be objective about your own home because of your emotional attachment to it. You can leave tens of thousands of dollars on the table or fail to sell by improper pricing. An appraisal from Brauning Appraisals 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 selling price so your home will attract buyers, a professional appraisal from Brauning Appraisals is very valuable as a negotiating tool once you have a potential buyer. It gives you something concrete to show your buyer. You know that you have an appraisal from the best appraisers in Napa Valley. It's an independent third party's opinion of your home's value, and not just you saying how much your home is worth. Potential buyers know you have an emotional attachment to your home and will be far more likely to give credibility to a professional appraiser's value opinion than yours.
PMI Removal Appraisals
A popular money saver for homeowners in the last few years is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan amount is down below 80% of the value of your home, in most cases you can apply to the lender to have the PMI removed from your loan, which will make your monthly payments go down. We are experienced in helping folks just like you rid themselves of unneeded and unwanted PMI insurance.
Field and Desktop Appraisal Review Services
Have you just received a copy of your appraisal and you'd like to have a professional "double-check" it for accuracy or do you need a second opinion without the expense and delay of waiting for a whole new appraisal? We at Brauning Appraisals are expert review appraisers.