Attention homeowners in Castro Valley and Alameda County: Get an Appraisal today!

Check out the top 7 reasons why CA homeowners need Eliana Alves-Silva:

Pre-listing appraisals (whether they're selling the home on their own or using a real estate agent)
Challenge property tax assessments
To reduce a mortgage payment by removing PMI
Reinstate your Home Equity Line of Credit (HELOC)
To review another appraiser's report for verification
If real estate needs to be divided because of a divorce
To determine the true market value of real estate in question to settle an estate

Own a home in or near Castro Valley, CA and need help deciding the price of it?
Contact Eliana Alves-Silva.

At Eliana Alves-Silva, we understand the special needs of a consumer after appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like lenders, lawyers, and accountants. As our client, we will give you extra guidance and explanations through the appraisal process to understand what we do and how we document the results of our analysis.

Pre-listing Services/For Sale By Owner

It's very hard to be objective about your house because of your emotional attachment to 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 very valuable negotiating tool once you have an attainable buyer, in addition to helping you set a realistic price to sell at so your house will attract interested buyers. The appraisal is something concrete to show your buyer. An appraisal is an independent third party's opinion of your house's value -- not just how much you think your home is worth. Potential buyers assume that you have an emotional attachment to your house and will be more likely to give credibility to a qualified appraiser's value conclusion than yours.

Appraisals to remove PMI

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is an attractive way to save money for homeowners. Once your mortgage loan amount is less than 80% of the value of your home, 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. We're experts in helping people just like you rid themselves of undesirable PMI insurance.

Challenge a property tax assessment

Your local tax assessor may have your house overvalued if you live in a region that's declining. That means you're probably paying more taxes than you should. The quicker you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. When contesting your property tax assessment, getting an expert appraisal from Eliana Alves-Silva is your best weapon.

Recently got a freeze your HELOC?

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 near a declining area. Not only can this be disadvantageous from a cash flow point of view, but it can be unfavorable to your credit score since it may appear as though that credit line is maxed out. Eliana Alves-Silva can provide you with an expert appraisal that will help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Have you just been given a copy of your appraisal and you would like to have a seasoned professional double-check it for accuracy or do you desire a second opinion without the added 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're in a hurry, we can provide desk review and verify as many facts as we can using online data sources as well as our own files.

We can also provide you with a a retrospective review of any appraisal you may have had in the past. Even though this is usually requested by banks, you may need to utilize this service if you suspect mortgage fraud related to your home.