Attention homeowners: Real estate appraisal services for in Mission Viejo and Orange County
See the top 7 reasons why CA homeowners call on A.M. Appraisal:
Do you own a house in or near Mission Viejo? Do you need help deciding the price of your real estate?
At A.M. Appraisal, we understand the special needs of a consumer after 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.
Pre-listing Services/For Sale By Owner (FSBO)
It's very hard to be objective about your own home because of your emotional attachment to it. Our professional appraisers at A.M. Appraisal are objective. We won't just tell you what you want to hear, we will tell you what you need to know. In addition to helping you set a realistic selling price so your property will attract interested buyers, a professional appraisal is a crucial negotiating tool once you have an interested buyer. 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 experienced appraiser's value conclusion than yours.
Appraisals to remove PMI
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 is less than 80% of the value of your house, in most cases you can apply to the lender to have the PMI removed from your loan, which will make your monthly payments go down. We're veterans in helping clients just like you remove undesirable PMI insurance.
Challenging property tax assessments
Your local tax assessor may have your house overvalued if you live in an area that's going down or not appreciating as much as other houses close to yours. 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. When contesting your property tax assessment, getting an expert appraisal from A.M. Appraisal is your strongest weapon.
HELOC recently frozen?
Your lender might decide to automatically freeze your home equity line of credit (HELOC) if your house is in or near a declining area -- even if your specific property has not declined in value. Not only can this be annoying from a cash flow angle, but it can be damaging to your credit score since it may appear as though that credit line is maxed out. A.M. Appraisal can help you reinstate your home equity line of credit with a professional appraisal.
Do You Need Field and Desktop Appraisal Review Services?
Do you need a professional to double-check your appraisal for verity, or do you need a second opinion without the cost and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comparables. If you need it 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 help with that too. While typically requested by banks, you may need to make use of this service if you suspect mortgage fraud related to your property.