Mortgage Lenders
Fast, High Quality Appraisals and an Exceptional Borrower Experience
At Theodore Harmand Appraisals, we understand the critical role accurate and reliable property valuations play in the mortgage lending process. Serving Santa Barbara County, CA, our team of experienced and licensed appraisers is dedicated to providing comprehensive appraisal services tailored to meet the specific needs of mortgage lenders. Our goal is to facilitate smooth, efficient lending transactions by delivering high-quality appraisal reports that you can trust.
Our Services Include:
Pre-Loan Appraisals: We offer thorough property evaluations to assist lenders in determining the appropriate loan amount for borrowers. Our appraisals are designed to provide a detailed understanding of the property's market value, ensuring lenders can make informed decisions with confidence.
Refinancing Appraisals: As the real estate market fluctuates, refinancing becomes a vital tool for homeowners seeking better mortgage terms. Our appraisers specialize in assessing current property values, enabling lenders to offer refinancing options based on the most up-to-date information.
Construction Loan Appraisals: For projects requiring construction loans, we provide detailed appraisals that consider the planned improvements, materials, and the end value of the property. These appraisals are crucial for lenders to establish loan-to-value ratios and to release funds according to construction milestones.
Foreclosure and REO Appraisals: In foreclosure scenarios, accurate property valuations are paramount. Our appraisers deliver precise, market-relevant valuations of REO properties, aiding lenders in determining selling prices that maximize recovery while ensuring a fair, competitive market value.
PMI Removal Appraisals: We conduct appraisals for homeowners seeking to remove Private Mortgage Insurance (PMI). By accurately assessing the current value of the property, we help lenders decide if the homeowner has reached the equity threshold required for PMI removal.
Why Choose Harmand Appraisals?
Local Expertise: Our deep understanding of Santa Barbara County’s real estate market ensures that our appraisals reflect the latest market trends and property values.
Speed and Efficiency: We are committed to delivering detailed appraisal reports promptly, understanding that time is of the essence in the mortgage lending process.
Quality and Accuracy: Our appraisers use the latest tools and techniques to ensure that every appraisal report is thorough, accurate, and compliant with all industry standards and regulations.
Professionalism: At Theodore Harmand Appraisals, professionalism is at the core of what we do. We maintain the highest levels of integrity and confidentiality in all our services, providing you and your clients with peace of mind.
Customized Service: Recognizing that every lending situation is unique, we tailor our appraisal services to meet your specific requirements, ensuring you receive the most relevant and actionable property valuations.
Contact Us
For more information about our appraisal services for mortgage lenders or to schedule an appraisal in Santa Barbara County, CA, please contact us today. At Theodore Harmand Appraisals, we're here to support your lending decisions with accurate, reliable, and timely property appraisals.
Let Theodore Harmand Appraisals be your trusted partner in navigating the complexities of real estate valuations. Together, we can ensure a transparent, efficient, and successful lending process.