Need an appraisal in Mission Viejo or Orange County?
Here are the top 7 reasons why CA homeowners call on A.M. Appraisal:
Own a house in or near Mission Viejo, CA and need help determining the value of it?
At A.M. Appraisal, we understand the unique needs of a homeowner seeking 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
Since you have an emotional attachment to your house, it's often very hard to be objective about it. The professional appraisers at A.M. Appraisal will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic price to sell at so your property will attract many interested buyers, a professional appraisal is a very important negotiating tool once you have an attainable buyer. It's something tangible to show the buyer. The appraisal is an independent third party's opinion of your home's price, not just how much your house is worth. Potential buyers assume you have an emotional attachment to your house and will be much more likely to give credibility to an accomplished appraiser's value assessment than yours.
Need to cancel PMI?
Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a preferred way to cut costs for homeowners. Your monthly payments will go down once your mortgage loan amount is below 80% of the value of your house. In most cases you can apply to a lender to have the PMI canceled from your loan. We are experts in helping clients just like you dismiss unwanted PMI insurance.
Challenge property tax assessments
Your local tax assessor may have your house overvalued if you live in an area that's declining or not appreciating as much as other homes close by. This only means you are going to pay 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. An appraisal from A.M. Appraisal is your best weapon when challenging your property tax assessment.
Recently got a freeze your HELOC?
If your home is in or near a declining area, your lender may just make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can this be difficult and inconvenient from a cash flow point of view, and negative on your credit score since it may appear as though that credit line is maxed out. A.M. Appraisal can provide you with efficient appraisal to help you reinstate your HELOC.
We Offer Field and Desktop Appraisal Review Services
Would you wish a second opinion without the added cost and delay of waiting for a whole new appraisal? Or do you desire a professional to double-check your appraisal for preciseness? In a field review we will go out and check the subject and comparables. Or, if you need it immediately, 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.
Do you need a retrospective review of an appraisal report? A.M. Appraisal can help with that too. Even though this is usually requested by banks, you may wish to make use of this service if you suspect mortgage fraud related to your house.