Attention homeowners in Newbury Park and Ventura County: Get an Appraisal today!
Check out the top reasons CA homeowners use Choice Appraisals, Inc.:
Need help deciding the value of your home in or near Newbury Park, CA?
We at Choice Appraisals, Inc. understand the individual needs of a customer after appraisal services. Our business practices and reporting formats are familiar to our business clients like lenders, attorneys, and CPAs. Being a regular person not in the real estate industry that most likely doesn't look at appraisals on a regular basis,you'll receive 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 (FSBO)
Since you have an emotional attachment to your own house, 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 buyers, a professional appraisal is very valuable as a negotiating tool once you have a potential buyer. It's something tangible to show your buyer. It's an independent third party's opinion of your home's value, and not just you saying how much you think your home is worth. Potential buyers assume that you have an emotional attachment to your house and will be far more likely to give credibility to an expert appraiser's value assessment than yours.
Need to remove PMI?
A popular way to cut costs for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan amount is down below 80% of the value of your property, in most cases you can apply to a lender to have the PMI eliminated from your loan, which will make your monthly payments go down. We're seasoned in helping people just like you abolish undesirable PMI insurance.
Challenging property tax assessments
Your local tax assessor may have your house overvalued if your home is not appreciating as much as other homes close to yours. This only means you are 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. Getting an appraisal from Choice Appraisals, Inc. is your #1 weapon when contesting your property tax assessment.
Was your HELOC recently frozen?
Your lender just may decide to automatically freeze your home equity line of credit (HELOC) if your property is in 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 difficult and inconvenient from a cash flow standpoint. Choice Appraisals, Inc. can help you reinstate your HELOC.
We Offer Field and Desktop Appraisal Review Services
Do you need a professional to double-check your appraisal for preciseness, or do you want a second opinion without the charge and delay of waiting for a whole new appraisal? Choice Appraisals, Inc. offers field reviews where we go out and check the subject and comparables in question. Or, if you're in a rush, 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 you with that Even though this is usually requested by banks, you may want to make use of this service if you suspect mortgage fraud related to your property.