Attention homeowners in and Ventura County: Get an Appraisal today!
Here are the top 7 reasons why homeowners need Choice Appraisals, Inc. (Owner retired to SC):
Own a house in or near , and need help determining the value of it?
We at Choice Appraisals, Inc. (Owner retired to SC) understand the particular needs of a consumer in need of appraisal services. Our typical business clients understand the appraisal process and the customary reporting formats. Being a person not in the real estate business that probably doesn't see an appraisal on a regular basis,we'll be sure you get extra guidance and explanations through the appraisal process to understand what we do and how we present the results of our analysis.
Pre-listing Services/For Sale By Owner (FSBO)
It's very hard to be objective about your house because of your 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 selling price so your house will attract many interested buyers, a professional appraisal is very important as a negotiating tool once you have an attainable buyer. It's something tangible to show your buyer. The appraisal is an independent third party's opinion of your property's value, not just you saying how much you think your home is worth. Potential buyers assume you have an emotional attachment to your house and will be far more likely to give credibility to an experienced appraiser's value judgement than yours.
Need to remove PMI?
An attractive way to cut costs for homeowners is getting 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 down below 80% of the value of your house, in most cases you can apply to your lender to have the PMI removed from your loan, which will make your monthly payments go down. At Choice Appraisals, Inc. (Owner retired to SC), we're qualified in helping consumers just like you abolish undesirable PMI insurance.
Challenge Ventura county's assessment of your property
Lets say you live in a local area that's declining -- your local tax assessor may have your home overvalued. That means you are most likely paying more taxes than you should. 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. Getting an appraisal report from Choice Appraisals, Inc. (Owner retired to SC) is your best weapon when challenging your property tax assessment.
HELOC recently frozen?
Your lender might make the decision 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 unsuitable from a cash flow point of view, but it can be destructive to your credit score since it may appear as though that credit line is maxed out. Choice Appraisals, Inc. (Owner retired to SC) can help you reinstate your home equity line of credit with efficient appraisal.
Need Field and Desktop Appraisal Review Services?
Do you need a veteran appraiser to double-check your appraisal for efficiency, or do you want a second opinion without the added cost and delay of waiting for a whole new appraisal? Choice Appraisals, Inc. (Owner retired to SC) offers field reviews where we'll go out and check the subject and comps. Or, if you're in a hurry, 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.
Need a retrospective review of an appraisal? We can help with that too. While typically requested by banks, you may wish to make use of this service if you suspect mortgage fraud related to your house.