Attention homeowners in Mission Viejo and Orange County: Need an appraisal?
The top reasons CA homeowners use 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 particular needs of a consumer after appraisal services. While our typical clients understand the appraisal process and standard reporting formats, you as a consumer will get extra 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/Pre-Listing Services
It's very hard to be objective about your home because of your emotional attachment to it. Professional appraisers, like the ones at A.M. Appraisal, will be objective. We'll tell you what you need to know, not just what you want to hear. A professional appraisal is a very important negotiating tool once you have an attainable buyer, in addition to helping you set a realistic selling price so your house will attract many interested buyers. The appraisal is something tangible to show your buyer. The appraisal is an independent third party's opinion of your property's price, not just you saying how much your house is worth. Potential buyers know you have an emotional attachment to your home and will be much more likely to give credibility to an accomplished appraiser's value judgement than yours.
Appraisals to remove 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 amount is down below 80% of the value of your house. In most cases you can apply to a lender to have the PMI eliminated from your loan. At A.M. Appraisal, we're veterans in helping people just like you delete undesirable PMI insurance.
Challenge Orange county's assessment of your property
If you live in an area that is declining or not appreciating as much as other properties nearby, your local tax assessor may have your house overvalued. This only means you're most likely 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 from A.M. Appraisal is your perfect weapon when contesting your property tax assessment.
HELOC recently frozen?
Even if your specific property has not declined in value, your lender may decide to automatically freeze your home equity line of credit (HELOC) if your house is close to a declining area. This can this be inopportune from a cash flow viewpoint, and bad for your credit score since it may appear as though that credit line is maxed out. An expert appraisal from A.M. Appraisal can help you reinstate your HELOC.
Do You Need Field and Desktop Appraisal Review Services?
Have you just received a copy of your appraisal and you would prefer to have a seasoned expert double-check it for preciseness or do you desire 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 comps in a field review. Or, if you need it in a rush, 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.
Need a retrospective review of an appraisal report? We can help you with that While usually requested by banks, you may wish to make use of this service if you suspect mortgage fraud related to your property.