Real estate appraisal services for homeowners in the city of Mission Viejo and Orange County
Check out the top reasons CA homeowners order from 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 customer after appraisal services. While our usual business 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 (FSBO)/Pre-Listing Services
Since you have an emotional attachment to your own home, it's often very hard to be objective about 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. A professional appraisal is very important as a negotiating tool once you have a likely buyer, in addition to helping you set a realistic price to sell at so your property will attract many interested buyers. It's something tangible to show your buyer. The appraisal is an independent third party's opinion of your home's price, not just you saying how much your house is worth. Potential buyers know that you have an emotional attachment to your house and will be far more likely to give credibility to a professional appraiser's value assessment than yours.
PMI Removal Appraisals
Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is an attractive way to cut expenses for homeowners. Once your mortgage loan amount is less than 80% of the value of your home, in most cases you can apply to a lender to have the PMI eliminated from your loan, which will make your monthly payments go down. A.M. Appraisal is seasoned in helping people just like you delete unneeded and unwanted PMI insurance.
Challenging a property tax assessment
Your local tax assessor may have your house overvalued if your house not appreciating as much as other properties close by. That means you're most likely paying more taxes than you should. The quicker you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. An appraisal from A.M. Appraisal is your number one weapon when contesting your property tax assessment.
Recently got a freeze your HELOC?
If your property is in a declining area, your lender might just 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 inconvenient from a cash flow viewpoint, but it can be destructive to your credit score since it may appear as though that credit line is maxed out. A.M. Appraisal can provide you with a professional appraisal that will help you reinstate your home equity line of credit.
Do You Need Field and Desktop Appraisal Review Services?
Have you just accepted a copy of your appraisal and you would like to have a veteran appraiser double-check it for efficiency or do you need a second opinion without the charge and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comps. If you're in a hurry, we'll provide 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? A.M. Appraisal can help with that too. Even though this is usually requested by banks, you may desire to exploit this service if you suspect mortgage fraud related to your house.