Real estate appraisal services for homeowners in the city of Huntington Beach and Orange County
The top seven reasons why CA homeowners hire Appraisal-One:
Own a house in or near Huntington Beach, CA and need help deciding the value of it?
We at Appraisal-One understand the special needs of a consumer in need of appraisal services. While our usual 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 own home because of your emotional attachment to it. The professional appraisers at Appraisal-One 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 selling price so your house will attract many interested buyers, a professional appraisal is very important as a negotiating tool once you have an interested buyer. It gives you something tangible to show the buyer. It's an independent third party's opinion of your home's price, and not just you saying how much you think your home is worth. Interested buyers know that you have an emotional attachment to your house and will be far more likely to give credibility to an accomplished appraiser's value judgement than yours.
Appraisals to cancel PMI
PMI stands for Private Mortgage Insurance. A fashionable way to cut costs for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan amount is down 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. Appraisal-One is experts in helping consumers just like you remove unneeded PMI insurance.
Challenge a property tax assessment
Lets say your home is not appreciating as much as other properties close by -- your local tax assessor may have your house overvalued. That only means you're probably paying more taxes than you should. The faster you take care of things like this, the better, since your property assessment may likely go up again in the next period. Getting an expert appraisal from Appraisal-One is your #1 weapon when contesting your property tax assessment.
Recently got a freeze your HELOC?
Your lender just may choose to automatically freeze your home equity line of credit (HELOC) if your home is close to a declining area -- even if your specific property has not declined in value. Not only can this be difficult from a cash flow angle, but it can be negative on your credit score since it may appear as though that credit line is maxed out. Appraisal-One can help you reinstate your home equity line of credit with an expert appraisal.
Do You Need Field and Desktop Appraisal Review Services?
Have you just been given a copy of your appraisal and you would like to have a professional double-check it for efficiency or do you desire a second opinion without the added expense and delay of waiting for a whole new appraisal? An appraiser from Appraisal-One can go out and check the subject and comparables in question in a field review. Or, if you need it ASAP, we can 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? Appraisal-One can help with that too. While usually requested by banks, you may need to make use of this service if you suspect mortgage fraud related to your home.