Need an appraisal in Mission Viejo or Orange County?
Check out the top 7 reasons why CA homeowners call on Premier Appraisal of SoCal:
Need help determining the price of your house in or near Mission Viejo, CA?
We at Premier Appraisal of SoCal understand the special needs of a homeowner looking for appraisal services. While our typical business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra 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
It's very hard to be objective about your home because of your emotional attachment to 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 selling price so your property will attract interested buyers, a professional appraisal is a very important negotiating tool once you have an interested buyer. It gives you something concrete to show the buyer. An appraisal is an independent third party's opinion of your property's value -- not just you saying how much you think your house is worth. Potential buyers know you have an emotional attachment to your home and will be far more likely to give credibility to a professional appraiser's value estimation than yours.
Appraisals to remove PMI
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. PMI stands for "Private Mortgage Insurance". Your monthly payments will go down once your mortgage loan amount is below 80% of the value of your property. In most cases you can apply to a lender to have the PMI removed from your loan. We are qualified in helping clients just like you do away with unwanted and unneeded PMI insurance.
Challenge a property tax assessment
Your local tax assessor may have your house overvalued if you live in a local area that is going down or is not appreciating as much as other properties nearby. That only means you are going to pay more taxes than you should. The earlier you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. Getting an appraisal report from Premier Appraisal of SoCal is your perfect weapon when challenging your property tax assessment.
Was your HELOC recently frozen?
If your house is close to a declining area, your lender might 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 be be destructive to your credit score since it may appear as though that credit line is maxed out, and also inconvenient from a cash flow viewpoint. An appraisal from Premier Appraisal of SoCal can help you reinstate your HELOC.
Do You Need Field and Desktop Appraisal Review Services?
Have you just been handed a copy of your appraisal and you would wish to have a veteran appraiser double-check it for verity or do you want a second opinion without the cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in question in a field review. Or, if you're in a hurry, we can provide 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 report? We can help with that too. While typically requested by banks, you may want to utilize this service if you suspect mortgage fraud related to your property.