Real estate appraisal services for homeowners in the city of Mission Viejo and Orange County
Check out the top seven reasons CA homeowners call on A.M. Appraisal:
Do you own a house in or near Mission Viejo? Do you need help determining the price of your real estate?
At A.M. Appraisal, we understand the individual needs of a consumer looking for appraisal services. Our typical business clients understand the appraisal process and the customary reporting formats. As our valued client, we will provide you with extra guidance and explanations through the appraisal process to better understand what we do and how we document our findings.
Pre-listing Services/For Sale By Owner
Since you have an emotional attachment to your own house, it's often very hard to be objective about it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic price to sell at so your home will attract many interested buyers, a professional appraisal is very valuable as a negotiating tool once you have an attainable buyer. It's something concrete to show the buyer. The appraisal is an independent third party's opinion of your home's value, not just how much your house is worth. Interested buyers know you have an emotional attachment to your house and will be far more likely to give credibility to an experienced appraiser's value conclusion 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 below 80% of the value of your property, in most cases you can apply to a lender to have the PMI canceled from your loan, which will make your monthly payments go down. A.M. Appraisal is experts in helping folks just like you delete 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. 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 faster you take care of a matter like this, the better off you'll be. Getting an appraisal from A.M. Appraisal is your number one weapon when contesting your property tax assessment.
Was your HELOC recently frozen?
Even if your specific property has not declined in value, your lender just may make the decision to automatically freeze your home equity line of credit (HELOC) if your home is in or near a declining area. This can this be annoying from a cash flow viewpoint, and bad for 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.
Do You Need Field and Desktop Appraisal Review Services?
Would you wish a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you need a seasoned professional to double-check your appraisal for verity? An appraiser from A.M. Appraisal can go out and check the subject and comps in question 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.
Do you need a retrospective review of an appraisal report? A.M. Appraisal can help you with that. Even though this is usually requested by banks, you may desire to use this service if you suspect mortgage fraud related to your house.