Need an appraisal in Mission Viejo or Orange County?
Check out the top seven reasons why CA homeowners need A.M. Appraisal:
Own a house in or near Mission Viejo, CA and need help deciding the value of it?
We at A.M. Appraisal understand the unique needs of a consumer 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.
Pre-listing Services/For Sale By Owner (FSBO)
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 price to sell at so your property will attract interested buyers, a professional appraisal is a crucial negotiating tool once you have a potential buyer. The appraisal is something concrete to show the buyer. It's an independent third party's opinion of your property's price, and not just 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 qualified appraiser's value opinion than yours.
Need to remove PMI?
PMI stands for Private Mortgage Insurance. A preferred way to save money for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is below 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 qualified in helping clients just like you abolish undesirable PMI insurance.
Challenging property tax assessments
Lets say your house is not appreciating as much as other homes close to yours -- your local tax assessor may have your home overvalued. That only means you are most likely paying more taxes than you should. The sooner you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. When contesting your property tax assessment, getting a professional appraisal from A.M. Appraisal is your number one 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 this be disadvantageous from a cash flow standpoint, and harmful to your credit score since it may appear as though that credit line is maxed out. A.M. Appraisal can help you reinstate your home equity line of credit with an expert appraisal.
Need Field and Desktop Appraisal Review Services?
Would you wish a second opinion without the added expense and delay of waiting for a whole new appraisal? Or do you desire a veteran appraiser to double-check your appraisal for efficiency? We can go out and check the subject and comparables in question in a field review. 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.
Need a retrospective review of an appraisal? We can help with that too. Even though this is usually requested by banks, you may need to take advantage of this service if you suspect mortgage fraud related to your house.