Attention homeowners in La Quinta and Riverside County: Need an appraisal?

Here are the top seven reasons why CA homeowners use K. Podgorski:

Find the right listing price (whether you're using a real estate agent or selling the home on your own)
Challenge property tax assessments
To cut their mortgage payments by removing PMI
To reinstate your Home Equity Line of Credit (HELOC)
To review a different 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

Own a house in or near La Quinta, CA and need help deciding the price of it?
Contact K. Podgorski.

We at K. Podgorski understand the individual needs of a consumer after appraisal services. While our usual business 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 house, it's often very hard to be objective about it. The professional appraisers at K. Podgorski will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is a very valuable negotiating tool once you have a potential buyer, in addition to helping you set a realistic selling price so your house will attract many interested buyers. It's something concrete to show the buyer. An appraisal is an independent third party's opinion of your house's value -- not just you saying how much your house is worth. Potential buyers assume that you have an emotional attachment to your house and will be much more likely to give credibility to an expert appraiser's value report than yours.

Need to cancel PMI?

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a popular way to save money for homeowners. Once your mortgage loan amount is below 80% of the value of your property, in most cases you can apply to a lender to have the PMI eliminated from your loan, which will make your monthly payments go down. K. Podgorski is experts in helping customers just like you rid yourselves of unneeded and unwanted PMI insurance.

Challenging property tax assessments

Your local tax assessor may have your house overvalued if you live in a region that's declining. This means you're paying higher taxes than you should be paying. The faster you take care of things like this, the better, since your property assessment may likely go up again in the next period. An expert appraisal from K. Podgorski is your number one weapon when contesting your property tax assessment.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender may make the decision to automatically freeze your home equity line of credit (HELOC) if your property is in a declining area. This can this be inopportune from a cash flow point of view, and bad for your credit score since it may appear as though that credit line is maxed out. K. Podgorski can provide you with an expert appraisal to help you reinstate your home equity line of credit.

Field and Desktop Appraisal Review Services

Do you need a seasoned appraiser to double-check your appraisal for accuracy, or do you need a second opinion without the added cost and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comparables in question. If you're in a rush, we'll 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 We can assist you While usually requested by banks, you may desire to take advantage of this service if you suspect mortgage fraud related to your home.