Need an appraisal in Alamo or Contra Costa County?

Here are the top reasons CA homeowners need Rubay & Rubay:

To get a pre-listing appraisal (whether they're selling the home themselves or using an agent)
Challenge property tax assessments
To lower their mortgage payment by removing PMI
To reinstate their Home Equity Line of Credit (HELOC)
To review a different appraiser's report for verification
In the case of a CA divorce, when property needs to be divided
Determine the true market value of real estate in question to settle an estate

Do you own a home in or near Alamo? Do you need help deciding the price of your real estate?
Contact Rubay & Rubay.

At Rubay & Rubay, we understand the special needs of a customer after appraisal services. Our business practices and reporting formats are familiar to our business clients like banks, lawyers, and CPAs. As our non-traditionalclient, you can expect extra guidance and explanations through the appraisal process to understand what we do and how we report our conclusions.

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

Since you have an emotional attachment to your home, it's often very hard to be objective about it. Professional appraisers, like the ones at Rubay & Rubay, will be objective. We 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 home will attract many interested buyers. It's something tangible to show your buyer. The appraisal is an independent third party's opinion of your house's price, not just how much you think your home is worth. Interested buyers know that you have an emotional attachment to your home and will be far more likely to give credibility to an expert appraiser's value estimation than yours.

PMI Removal Appraisals

A fashionable way to cut expenses for homeowners is getting 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 less than 80% of the value of your property, in most cases you can apply to your lender to have the PMI canceled from your loan, which will make your monthly payments go down. At Rubay & Rubay, we're experienced in helping homeowners just like you delete unneeded PMI insurance.

Challenging a property tax assessment

Lets say your house is not appreciating as much as other properties nearby -- your local tax assessor may have your home overvalued. That means you are most likely paying more taxes than you should. Since your property assessment may likely go up again in the next period, the earlier you take care of things like this, the better. Getting an appraisal from Rubay & Rubay is your strongest weapon when challenging your property tax assessment.

Recently got a freeze your HELOC?

Even if your specific property has not declined in value, your lender might make the decision to automatically freeze your home equity line of credit (HELOC) if your house is in or near a declining area. This can be be detrimental to your credit score since it may appear as though that credit line is maxed out, and also troublesome from a cash flow viewpoint. Rubay & Rubay can help you reinstate your HELOC.

Need Field and Desktop Appraisal Review Services?

Do you need a professional to double-check your appraisal for precision, or do you desire a second opinion without the added expense and delay of waiting for a whole new appraisal? Rubay & Rubay offers field reviews where we go out and check the subject and comps in question. If you're in a rush, we'll provide 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 Even though this is typically requested by banks, you may wish to use this service if you suspect mortgage fraud related to your property.