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About Us

What Makes Us Different?
What We Offer
What We Can Do For You
About Philip Bruce Raful

What Makes Us Different?

Unlike many appraisal companies, we don’t try to be all things to all people. We do one thing, and we do it well.

We appraise homes, condominiums, and small residential-income properties (2-4 units) in San Francisco and the North Bay. We do it for home buyers, home owners, lenders, real estate agents, attorneys, accountants, and anyone else who needs to know the value of a piece of residential property. That’s it.

What We Offer

As a leading provider of appraisals for banks, lenders and attorneys, we offer timely, accurate reports that follow established guidelines and that use government-approved forms or those suited to our client’s specific needs.

Most appraisals in the U.S. today are written for banks and lenders who want to know the value of a property so that they can provide a loan to a borrower who wants to buy a home, refinance an existing rate and/or term of a mortgage, or acquire a line of credit. Some appraisals are written for attorneys who need to know home values for legal reasons, such as a divorce or death.

Because most loans provided by banks and lenders are either insured or bought by government-backed agencies, we follow long-established national guidelines when we write our reports. In doing so, we use one or more of the following government-approved forms, or their iterations:

1004 (Single Family Home)
1025 (Small Residential Income)
1073 (Condominium)
2000 (Field Review)
2055 (Exterior Inspection)
1007 (Rent Survey)
216 (Operating Income Statement)
…or other forms as appropriate

When we write reports that are not for federally-insured loans, we utilize similar forms that essentially provide the same information but are written to suit the specific needs of the individual who ordered it.

What We Can Do For You

We can offer you appraisals for a variety of needs:

  • First and second mortgages for loans
  • Refinancing existing loans
  • Contesting tax valuations
  • Private mortgage insurance removal
  • Estate planning
  • Date-of-death valuations
  • Divorce or other family law issues

About Philip Bruce Raful

Philip Bruce Raful is the owner of Raful & Associates. Bruce was born in the Bay Area, received a B.A. from UC Davis, and has continuously lived in the San Francisco area since 1970.

In 1971, he began a 13-year career in politics, serving as the administrative assistant to the President of the San Francisco Board of Supervisors, Ronald Pelosi. In 1984, Bruce went into the real estate field, and has been a licensed appraiser in California since the advent of appraiser licensing in the early 1990s. In 1988, Bruce and his family moved to Marin County, where he has lived ever since. In 1991, after a brief term on the San Rafael Park & Recreation Commission, Bruce was appointed to the San Rafael School Board to fill a vacancy. He was then elected to the school board in his own right in 1991, and re-elected in 1995. During that time, he also served for one year as president of the Marin County School Boards Association, and for six years as the treasurer for Marin-Sonoma Assembly Member Kerry Mazzoni.

Bruce is a well-recognized member of the community who is sought out for his expertise by local newspapers and was recently featured in a story on home values in The New York Times. Many local real estate agents also turn to Bruce, and refer their clients to him when they need quick and accurate appraisals for purchases or for private matters. Local attorneys who need accurate valuations for clients for estate purposes also rely on Bruce’s experience and guidance.

In addition to providing clients with reports on specific pieces of property, Bruce provides his clients with regular updates on trends in the market, taken from the records of both the local Multiple Listing Service and the local County Assessor. These reports are invaluable to clients who want to keep abreast of current trends in the real estate market, on both a county and local level.