Attention homeowners in Mission Viejo and Orange County: Get an Appraisal today!
See 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 price of it?
At A.M. Appraisal, we understand the special needs of a consumer seeking appraisal services. Our customary business clients get the appraisal process and the standard "products" we deliver to them. But as a general consumer,we'll be sure you get extra guidance and explanations through the appraisal process to understand what we do and how we document the results of our analysis.
For Sale By Owner (FSBO)/Pre-Listing Services
It's very hard to be objective about your own home because you probably have an emotional attachment to it. Professional appraisers, like the ones at A.M. Appraisal, will be objective. We will 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 a potential buyer, in addition to helping you set a realistic price to sell at so your home will attract buyers. The appraisal is something tangible to show the buyer. It's an independent third party's opinion of your house's price, and not just you saying how much your house is worth. Interested 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 remove PMI?
Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is an attractive way to cut expenses for homeowners. Once your mortgage loan is less than 80% of the value of your property, in most cases you can apply to your lender to have the PMI eliminated from your loan, which will make your monthly payments go down. At A.M. Appraisal, we're seasoned in helping homeowners just like you rid themselves of unneeded PMI insurance.
Challenge property tax assessments
Lets say you live in an area that's going down -- your local tax assessor may have your home overvalued. This only means you're 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 a matter like this, the better. Getting an appraisal from A.M. Appraisal is your chief weapon when contesting your property tax assessment.
Was your HELOC recently frozen?
If your property is in a declining area, your lender might 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 troublesome from a cash flow standpoint, and unfavorable to your credit score since it may appear as though that credit line is maxed out. A professional appraisal from A.M. Appraisal can help you reinstate your HELOC.
We Provide Field and Desktop Appraisal Review Services
Do you need a veteran appraiser to double-check your appraisal for efficiency, or do you desire a second opinion without the charge and delay of waiting for a whole new appraisal? A.M. Appraisal offers field reviews where we go out and check the subject and comparables in question. If you're in a hurry, we'll 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 done before. While typically requested by banks, you may wish to utilize this service if you suspect mortgage fraud related to your house.