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

The top 7 reasons CA homeowners order from OTMA, Inc.:

  1. Get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
  2. Challenge Alameda county's assessment of your propertyworth
  3. Remove PMI to cut their mortgage payments
  4. Reinstate your Home Equity Line of Credit (or HELOC)
  5. Verify a different appraiser's report
  6. If property needs to be divided because of a divorce
  7. To settle an estate in Alameda county or CA by determining the true market value of property in question

Do you own a house in or near Fremont? Do you need help deciding the price of your real estate?
Contact OTMA, Inc..

At OTMA, Inc., we understand the particular needs of a consumer looking for appraisal services. While our typical business clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of customer 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 home, it's often very hard to be objective about it. The professional appraisers at OTMA, Inc. will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is a crucial negotiating tool once you have a likely buyer, in addition to helping you set a realistic price to sell at so your property will attract many interested buyers. It gives you something concrete to show your buyer. An appraisal is an independent third party's opinion of your property's price -- not just how much your home is worth. Interested buyers assume that you have an emotional attachment to your house and will be far more likely to give credibility to an expert appraiser's value estimation than yours.

Need to cancel PMI?

PMI stands for Private Mortgage Insurance. An attractive way to cut expenses for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount is down below 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 dismiss undesirable PMI insurance.

Challenging property tax assessments

Your local tax assessor may have your home overvalued if your house is not appreciating as much as other homes close by. This means you're probably paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the sooner you take care of things like this, the better off you'll be. An appraisal report from OTMA, Inc. is your chief weapon when contesting your property tax assessment.

Recently got a freeze your HELOC?

Your lender just might choose to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area -- even if your specific property has not declined in value. Not only can this be inconvenient from a cash flow angle, but it can be detrimental to your credit score since it may appear as though that credit line is maxed out. OTMA, Inc. can help you reinstate your HELOC.

We Also Provide Field and Desktop Appraisal Review Services

Would you prefer a second opinion without the expense and delay of waiting for a whole new appraisal? Or do you desire a veteran appraiser to double-check your appraisal for efficiency? OTMA, Inc. offers field reviews where we'll go out and check the subject and comps. Or, if you need it immediately, 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 in your possession. While typically requested by banks, you may wish to exercise this service if you suspect mortgage fraud related to your home.