Attention homeowners in Escondido and San Diego County: Need an appraisal?
Here are the top seven reasons CA homeowners need Action Appraisers, Inc.:
Own a house in or near Escondido, CA and need help deciding the price of it?
At Action Appraisers, Inc., we understand the individual needs of a consumer seeking appraisal services. Our business practices and reporting formats are familiar to our business clients like banks, lawyers, and accountants. As our client, you will receive extra guidance and explanations through the appraisal process to better understand what we do and how we report our findings.
For Sale By Owner (FSBO)/Pre-Listing Services
It's very hard to be objective about your house because you probably have an 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 price to sell at so your property will attract interested buyers, a professional appraisal is very crucial as a negotiating tool once you have a potential buyer. The appraisal is something tangible to show the buyer. The appraisal is an independent third party's opinion of your house's price, not just how much your house is worth. Interested buyers assume that you have an emotional attachment to your house and will be much more likely to give credibility to an experienced appraiser's value conclusion than yours.
Appraisals to remove PMI
PMI stands for Private Mortgage Insurance. 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. Once your mortgage loan amount is down below 80% of the value of your property, in most cases you can apply to the lender to have the PMI eliminated from your loan, which will make your monthly payments go down. Action Appraisers, Inc. is experts in helping people just like you rid themselves of unneeded and unwanted PMI insurance.
Challenge Tax Assessment
Your local tax assessor may have your house overvalued if you live in a region that's declining. 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 quicker you take care of things like this, the better. An appraisal from Action Appraisers, Inc. is your strongest weapon when contesting your property tax assessment.
Recently got a freeze your HELOC?
If your house is near a declining area, your lender just may choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be damaging to your credit score since it may appear as though that credit line is maxed out, and also inopportune from a cash flow standpoint. Action Appraisers, Inc. can help you reinstate your HELOC.
We Also Provide Field and Desktop Appraisal Review Services
Would you prefer a second opinion without the added expense and delay of waiting for a whole new appraisal? Or do you need a veteran appraiser to double-check your appraisal for preciseness? Action Appraisers, Inc. offers field reviews where we'll go out and check the subject and comps in question. Or, if you need it immediately, 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? Action Appraisers, Inc. can We can assist you. Even though this is usually requested by banks, you may want to exploit this service if you suspect mortgage fraud related to your home.