Real estate appraisal services for homeowners in the city of Mission Viejo and Orange County
The top reasons CA homeowners hire A.M. Appraisal:
Own a home in or near Mission Viejo, CA and need help deciding the price of it?
We at A.M. Appraisal understand the special needs of a customer seeking appraisal services. Our regular business clients are used to the appraisal process and the usual documents we provide. But as a consumer,we will provide you with extra guidance and explanations through the appraisal process to better understand what we do and how we document our conclusions.
For Sale By Owner (FSBO)/Pre-Listing Services
Since you have an emotional attachment to your own 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 selling price so your property will attract many interested buyers, a professional appraisal is a very valuable negotiating tool once you have an interested buyer. It gives you something concrete to show the buyer. It's an independent third party's opinion of your home's value, and not just you saying how much your home is worth. Interested buyers know that you have an emotional attachment to your house and will be much more likely to give credibility to a seasoned appraiser's value conclusion than yours.
Need to cancel PMI?
Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a fashionable way to cut costs for homeowners. Once your mortgage loan amount is below 80% of the value of your property, in most cases you can apply to your lender to have the PMI canceled from your loan, which will make your monthly payments go down. We are experts in helping clients just like you delete unnecessary PMI insurance.
Challenge property tax assessments
Lets say your home is not appreciating as much as other properties nearby -- your local tax assessor may have your home overvalued. This means you're probably 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 a matter like this, the better. When contesting your property tax assessment, getting an appraisal from A.M. Appraisal is your perfect weapon.
Recently got a freeze your HELOC?
Even if your specific property has not declined in value, your lender just might make the decision to automatically freeze your home equity line of credit (HELOC) if your property is near a declining area. This can this be troublesome from a cash flow angle, and damaging to your credit score since it may appear as though that credit line is maxed out. An appraisal from A.M. Appraisal can help you reinstate your HELOC.
We Also Offer Field and Desktop Appraisal Review Services
Do you need a seasoned appraiser to double-check your appraisal for verity, or do you want a second opinion without the cost and delay of waiting for a whole new appraisal? An appraiser from A.M. Appraisal can go out and check the subject and comps in a field review. Or, if you're 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.
We can also provide a retrospective review of any appraisal report you may have had in the past. While typically requested by banks, you may wish to use this service if you suspect mortgage fraud related to your home.