Need an appraisal in San Clemente or Orange County?
Check out the top seven reasons California homeowners order from Appraising Capital:
We at Appraising Capital understand the unique needs of a homeowner looking for appraisal services. Our regular business clients are used to the appraisal process and the usual "products" we deliver to them. Being a consumer that ordinarily doesn't see an appraisal on a regular basis, we will provide you with extra guidance and explanations through the appraisal process to more clearly understand what we do and how we present the results of our analysis.
For Sale by Owner (FSBO)/Pre-Listing ServicesSince you have an emotional attachment to your house, it's often very hard to be objective about it. Our professional appraisers at Appraising Capital 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 price to sell at so your home will attract interested buyers, a professional appraisal is very important as a negotiating tool once you have an attainable buyer. The appraisal is something concrete to show the buyer. It's an independent third party's opinion of your home's value, and not just how much you think your home is worth. Interested buyers assume you have an emotional attachment to your home and will be much more likely to give credibility to an experienced appraiser's value opinion than yours.
Challenge a property tax assessmentYour local tax assessor may have your house overvalued if you live in a local area that's going down. This means you're probably paying higher taxes than you should be paying. The quicker you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. An appraisal report from Appraising Capital is your perfect weapon when contesting your property tax assessment.
Need to remove PMI?PMI stands for Private Mortgage Insurance. An attractive way to cut costs for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is down below 80% of the value of your property, in most cases you can apply to your lender to have the PMI eliminated from your loan, which will make your monthly payments go down. Appraising Capital is seasoned in helping homeowners just like you get rid of unwanted and unneeded PMI insurance.
Recently got a freeze to your HELOC?Even if your specific property has not declined in value, your lender may make the decision to automatically freeze your home equity line of credit (HELOC) if your home is close to a declining area. This can be inconvenient from a cash flow angle, and damaging to your credit score since it may appear as though that credit line is maxed out. Appraising Capital can provide you with efficient appraisal that will help you reinstate your HELOC.
Do You Need Field and Desktop Appraisal Review Services?Would you prefer a second opinion without the expense and delay of waiting for a whole new appraisal? Or do you want a veteran appraiser to double-check your appraisal for verity? In a field review we will go out and check the subject and comps in question. Or, if you need it 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.
We can also provide you with a retrospective review of any appraisal report you may have in your possession. Although most appraisal reviews are commissioned by lenders for quality control, homeowners that have reason to believe a prior appraisal wasn't above board are prudent to invest in a second opinion.