Attention homeowners in Mission Viejo and Orange County: Need an appraisal?

The top 7 reasons why CA homeowners need A.M. Appraisal:

Find the right listing price (whether you're using a real estate agent or selling the home on your own)
To challenge a CA property tax assessment
Remove PMI to lower your monthly mortgage payment
Reinstate their Home Equity Line of Credit (or HELOC)
To review a different appraiser's report for verification
If real estate needs to be divided because of a divorce
To settle an estate in Orange county or CA by determining the true market value of real estate in question

Need help determining the price of your home in or near Mission Viejo, CA?
Contact A.M. Appraisal.

We at A.M. Appraisal understand the particular needs of a consumer after 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.

Pre-listing Services/For Sale By Owner

Since you have an emotional attachment to your own house, it's often very hard to be objective about it. Professional appraisers, like the ones at A.M. Appraisal, will be objective. We'll 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 many interested buyers, a professional appraisal is a very important negotiating tool once you have a likely buyer. It's something concrete to show the buyer. It's an independent third party's opinion of your house's value, and not just how much your home is worth. Potential buyers assume that you have an emotional attachment to your house and will be more likely to give credibility to a professional appraiser's value assessment than yours.

Appraisals to cancel PMI

PMI stands for Private Mortgage Insurance. A popular 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 is down below 80% of the value of your house. In most cases you can apply to the lender to have the PMI eliminated from your loan. We are experts in helping people just like you delete unneeded PMI insurance.

Challenging a property tax assessment

Lets say your home is not appreciating as much as other homes nearby -- your local tax assessor may have your home overvalued. That means you're paying more taxes than you should. Since your property assessment may likely go up again in the next period, the sooner you take care of things like this, the better off you'll be. When challenging your property tax assessment, getting an appraisal report from A.M. Appraisal is your perfect weapon.

Was your HELOC recently frozen?

If your house is in or near 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 harmful to your credit score since it may appear as though that credit line is maxed out, and also annoying from a cash flow point of view. A.M. Appraisal can help you reinstate your HELOC.

We Also Offer Field and Desktop Appraisal Review Services

Would you wish a second opinion without the expense and delay of waiting for a whole new appraisal? Or do you desire a seasoned professional to double-check your appraisal for preciseness? A.M. Appraisal offers field reviews where we'll go out and check the subject and comps in question. If you need it ASAP, we'll provide desk review and verify as many facts as we can using online data sources as well as our own files.

We can also provide a retrospective review of any appraisal report you may have had done before. While usually requested by banks, you may need to utilize this service if you suspect mortgage fraud related to your property.