Attention homeowners in Mission Viejo and Orange County: Need an appraisal?

Here are the top 7 reasons CA homeowners hire A.M. Appraisal:

Find the right listing price (whether they're selling the home themselves or using an agent)
Challenge Orange county's assessment of your propertyvalue
Remove PMI to cut a monthly mortgage payment
Reinstate your Home Equity Line of Credit (HELOC)
Verify another appraiser's report
In the case of a CA divorce, where real estate needs to be divided
To determine the true market value of property in question to settle an estate

Need help determining the value of your house in or near Mission Viejo, CA?
Contact A.M. Appraisal.

We at A.M. Appraisal understand the individual needs of a customer looking for appraisal services. While our usual 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 house, it's often very hard to be objective about it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. A professional appraisal is very important as a negotiating tool once you have a potential buyer, in addition to helping you set a realistic selling price so your house will attract interested buyers. The appraisal is something concrete to show your buyer. An appraisal is an independent third party's opinion of your home's price -- not just you saying how much your house is worth. Interested buyers assume you have an emotional attachment to your house and will be more likely to give credibility to a professional appraiser's value conclusion than yours.

Need to cancel PMI?

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is an attractive way to cut costs for homeowners. Your monthly payments will go down once your mortgage loan is below 80% of the value of your house. In most cases you can apply to your lender to have the PMI eliminated from your loan. We are experts in helping people just like you remove unwanted and unneeded PMI insurance.

Challenge property tax assessments

Lets say your home is not appreciating as much as other homes close by -- your local tax assessor may have your home overvalued. This means you are most likely paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the quicker you take care of things like this, the better. Getting a professional appraisal from A.M. Appraisal is your number one weapon when contesting your property tax assessment.

Was your HELOC recently frozen?

If your home is close to a declining area, your lender might decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be troublesome from a cash flow standpoint, but it can be harmful to your credit score since it may appear as though that credit line is maxed out. A.M. Appraisal can provide you with an expert appraisal that will help you reinstate your home equity line of credit.

We Provide Field and Desktop Appraisal Review Services

Do you need a seasoned expert to double-check your appraisal for accuracy, or do you need a second opinion without the added expense and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables in a field review. Or, if you need it ASAP, we can provide you with a desk review and verify as many facts as we can using online data sources as well as our own files.

We can also provide a retrospective review of any appraisal you may have in your possession. While typically requested by banks, you may need to exploit this service if you suspect mortgage fraud related to your home.