Appraisal services for Huntington Beach and Orange County homeowners
The top reasons CA homeowners need Appraisal-One:
Own a home in or near Huntington Beach, CA and need help deciding the value of it?
We at Appraisal-One understand the particular needs of a consumer looking for appraisal services. While our usual 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 house, it's often very hard to be objective about it. Our professional appraisers at Appraisal-One are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. In addition to helping you set a realistic selling price so your house will attract interested buyers, a professional appraisal is very crucial as a negotiating tool once you have a likely buyer. It gives you something tangible to show your buyer. The appraisal is an independent third party's opinion of your home's price, not just you saying how much your home is worth. Interested buyers assume that you have an emotional attachment to your house and will be much more likely to give credibility to a qualified appraiser's value conclusion than yours.
Appraisals to cancel PMI
An attractive way to cut costs for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". 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. At Appraisal-One, we're qualified in helping folks just like you delete unneeded and unwanted PMI insurance.
Challenging a property tax assessment
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 means you're most likely paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the sooner you take care of things like this, the better. When challenging your property tax assessment, getting an expert appraisal from Appraisal-One is your #1 weapon.
Recently got a freeze your HELOC?
Your lender might decide to automatically freeze your home equity line of credit (HELOC) if your home is in or near a declining area -- even if your specific property has not declined in value. Not only can this be disadvantageous from a cash flow angle, but it can be harmful to your credit score since it may appear as though that credit line is maxed out. An expert appraisal from Appraisal-One can help you reinstate your HELOC.
Do You Need Field and Desktop Appraisal Review Services?
Do you need a seasoned expert to double-check your appraisal for accuracy, or do you need a second opinion without the cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables in a field review. Or, if you need it in a rush, 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 you with that. While typically requested by banks, you may need to utilize this service if you suspect mortgage fraud related to your property.