Attention homeowners in Laguna Beach and Orange County: Need an appraisal?

The top 7 reasons California homeowners order from Appraisal People:

Pre-listing appraisals (whether they're selling the home on their own or using a real estate agent)
Challenge property tax assessments
Remove PMI to lower their mortgage payment
Reinstate your Home Equity Line of Credit (HELOC)
Review a different appraiser's report for verification
If real estate property needs to be divided because of a divorce
Settle an estate in California by determining the true market value of a property


	Need help deciding the value of your home in or near Laguna Beach, California? Contact Appraisal People.

At Appraisal People, we understand the special needs of a customer looking for appraisal services. While our usual 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

It's very hard to be objective about your house because you probably have an emotional attachment to it. Our professional appraisers at Appraisal People are objective. We won't just tell you what you want to hear, we will tell you what you need to know. In addition to helping you set a realistic selling price so your property 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 the buyer. An appraisal is an independent third party's opinion of your home's value -- not just how much you think your house is worth. Interested 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 judgement than yours.

Challenging a property tax assessment

Your local tax assessor may have your home overvalued if you live in a local area that's going down. This only means you're most likely paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the faster you take care of things like this, the better. Getting an appraisal report from Appraisal People is your chief weapon when challenging your property tax assessment.

Need to remove PMI?

An attractive way to cut expenses for homeowners is to get 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 is less than 80% of the value of your home, in most cases you can apply to your lender to have the PMI canceled from your loan, which will make your monthly payments go down. We're qualified in helping clients just like you delete unneeded PMI insurance.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender might make the decision to automatically freeze your home equity line of credit (HELOC) if your property is near a declining area. Not only can this be inopportune from a cash flow point of view, but it can be harmful to your credit score since it may appear as though that credit line is maxed out. An efficient appraisal from Appraisal People can help you reinstate your HELOC.

Need Field and Desktop Appraisal Review Services?

Do you need a seasoned professional to double-check your appraisal for preciseness, 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 comparables in question. 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.

We can also provide a retrospective review of any appraisal you may have had done before. Even though most review work is commissioned by lenders, homeowners suspecting a prior appraisal wasn't above board are prudent to get a second opinion.

Specializing in Coastal and Inland Orange County. Complex, Non-Complex, Jumbo and Super Jumbo 1-4 unit. Approved with most lenders. FHA Approved. REO Experience.