Appraisal services for Newbury Park and Ventura County homeowners
The top 7 reasons CA homeowners call on Choice Appraisals, Inc.:
Own a house in or near Newbury Park, CA and need help determining the price of it?
At Choice Appraisals, Inc., we understand the particular needs of a consumer seeking appraisal services. Our business practices and reporting formats are familiar to our business clients like banks, attorneys, and CPAs. But as a consumer,we will give you extra guidance and explanations through the appraisal process to more fully understand what we do and how we present our findings.
Pre-listing Services/For Sale By Owner
It's very hard to be objective about your home because you probably have an emotional attachment to it. Professional appraisers, like the ones at Choice Appraisals, Inc., 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 price to sell at so your home will attract interested buyers, a professional appraisal is very crucial as a negotiating tool once you have an attainable buyer. It's something tangible to show the buyer. An appraisal is an independent third party's opinion of your house's value -- not just you saying how much you think your house is worth. Interested buyers know you have an emotional attachment to your house and will be far more likely to give credibility to a qualified appraiser's value assessment than yours.
Need to remove PMI?
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. PMI stands for "Private Mortgage Insurance". Once your mortgage loan amount is 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. Choice Appraisals, Inc. is experts in helping homeowners just like you do away with unneeded and unwanted PMI insurance.
Challenge a property tax assessment
If you live in a local area that is declining or not appreciating as much as other properties close by, your local tax assessor may have your house overvalued. This means you're probably paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the earlier you take care of things like this, the better. When contesting your property tax assessment, getting an appraisal from Choice Appraisals, Inc. is your perfect weapon.
Was your HELOC recently frozen?
Your lender might just choose 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 harmful to your credit score since it may appear as though that credit line is maxed out, and also inconvenient from a cash flow angle. An appraisal from Choice Appraisals, Inc. can help you reinstate your HELOC.
We Provide Field and Desktop Appraisal Review Services
Have you just received a copy of your appraisal and you'd wish to have a seasoned expert double-check it for efficiency or do you need a second opinion without the added cost and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comps. If you're in a rush, we'll 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? Choice Appraisals, Inc. can help you with that. Even though this is usually requested by banks, you may want to exploit this service if you suspect mortgage fraud related to your house.