Attention homeowners in Newbury Park and Ventura County: Need an appraisal?
Check out the top 7 reasons CA homeowners use Choice Appraisals, Inc.:
Do you own a house in or near Newbury Park? Do you need help deciding the price of your real estate?
We at Choice Appraisals, Inc. 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 customer service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.
For-Sale-By-Owner (FSBO) / Pre-Listing Services
Since you have an emotional attachment to your home, it's often very hard to be objective about it. Our professional appraisers at Choice Appraisals, Inc. 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 house will attract interested buyers, a professional appraisal is very important as a negotiating tool once you have a likely buyer. The appraisal is something concrete to show your buyer. The appraisal is an independent third party's opinion of your house's price, not just you saying how much your house is worth. Potential buyers assume you have an emotional attachment to your home and will be far more likely to give credibility to an accomplished appraiser's value opinion than yours.
PMI Removal Appraisals
Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a fashionable way to cut expenses for homeowners. Once your mortgage loan amount is below 80% of the value of your home, in most cases you can apply to the lender to have the PMI removed from your loan, which will make your monthly payments go down. We are experienced in helping clients just like you remove unneeded and unwanted PMI insurance.
Challenging a property tax assessment
If you live in a region that is declining or not appreciating as much as other homes close to yours, your local tax assessor may have your house overvalued. This means you are probably paying higher taxes than you should be paying. The earlier 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 from Choice Appraisals, Inc. is your number one weapon when challenging your property tax assessment.
Was your HELOC recently frozen?
Your lender might just decide to automatically freeze your home equity line of credit (HELOC) if your property is in or near a declining area -- 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 inconvenient from a cash flow point of view. A professional appraisal from Choice Appraisals, Inc. can help you reinstate your HELOC.
Field and Desktop Appraisal Review Services
Do you need a seasoned expert to double-check your appraisal for precision, or do you want a second opinion without the cost and delay of waiting for a whole new appraisal? An appraiser from Choice Appraisals, Inc. can go out and check the subject and comparables in a field review. Or, if you're in a hurry, we can provide 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 We can assist you Even though this is typically requested by banks, you may desire to utilize this service if you suspect mortgage fraud related to your property.