In business for over 20 years, Rubay and Rubay provides real estate appraisals on both residential and commercial properties. It's clients include banks as well as individuals. Real estate appraisals are used to determine the value of a house for purchase, refinancing a house for a home equity loan, removal of private mortgage insurance, divorce settlement, estate liquidation, relocation, and commercial real estate valuation for purchase, improvement, or for sale.