Attention homeowners in Mission Viejo and Orange County: Need an appraisal?
See the top seven reasons CA homeowners call on A.M. Appraisal:
Do you own a home in or near Mission Viejo? Do you need help deciding the price of your real estate?
We at A.M. Appraisal understand the unique needs of a consumer looking for appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like banks, attorneys, and accountants. Being a regular consumer that most likely doesn't see an appraisal every day,you can expect extra guidance and explanations through the appraisal process to more clearly understand what we do and how we present our conclusions.
For Sale By Owner (FSBO)/Pre-Listing Services
It's very hard to be objective about your own home because you most likely have an 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'll tell you what you need to know. In addition to helping you set a realistic price to sell at so your property will attract buyers, a professional appraisal is a crucial negotiating tool once you have an attainable buyer. It gives you something concrete to show the buyer. The appraisal is an independent third party's opinion of your home's value, not just you saying how much you think your home is worth. Potential buyers know that you have an emotional attachment to your house and will be far more likely to give credibility to an experienced appraiser's value opinion than yours.
Appraisals to cancel PMI
PMI stands for Private Mortgage Insurance. A popular way to save money for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount is down below 80% of the value of your property, in most cases you can apply to the lender to have the PMI eliminated from your loan, which will make your monthly payments go down. A.M. Appraisal is experienced in helping people just like you do away with unwanted PMI insurance.
Challenge Orange county's assessment of your property
Lets say your home is not appreciating as much as other homes close by -- your local tax assessor may have your house overvalued. This only means you're paying higher taxes than you should be paying. The quicker you take care of things like this, the better, since your property assessment may likely go up again in the next period. When contesting your property tax assessment, getting an expert appraisal from A.M. Appraisal is your perfect weapon.
HELOC recently frozen?
If your property is near a declining area, your lender might choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be bad for your credit score since it may appear as though that credit line is maxed out, and also troublesome from a cash flow point of view. A.M. Appraisal can help you reinstate your HELOC.
Field and Desktop Appraisal Review Services
Have you just received a copy of your appraisal and you'd wish to have a seasoned appraiser double-check it for efficiency or do you desire a second opinion without the cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables in a field review. 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 We can assist you Even though this is usually requested by banks, you may need to use this service if you suspect mortgage fraud related to your property.