Attention homeowners in Southern California and Riverside County: Need an appraisal?
The top seven reasons California homeowners call on JUDGE APPRAISAL:
We at JUDGE APPRAISAL understand the unique needs of a consumer in need of appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra 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 ServicesSince you have an emotional attachment to your own house, it's often very hard to be objective about it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. A professional appraisal is a very important negotiating tool once you have an interested buyer, in addition to helping you set a realistic price to sell at so your house will attract many interested buyers. The appraisal is something concrete to show the buyer. It's an independent third party's opinion of your property's value, and not just how much your home is worth. Interested buyers know that you have an emotional attachment to your house and will be far more likely to give credibility to an expert appraiser's value opinion than yours.
Challenge property tax assessmentsLet's say your home is not appreciating as much as other homes close by -- your local tax assessor may have your home overvalued. This only means you're paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the quicker you take care of things like this, the better. When challenging your property tax assessment, getting a professional appraisal from JUDGE APPRAISAL is your #1 weapon.
Need to remove PMI?Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a popular money saver for homeowners. Your monthly payments will go down once your mortgage loan amount is below 80% of the value of your property. In most cases you can apply to your lender to have the PMI removed from your loan. At JUDGE APPRAISAL, we're experts in helping homeowners just like you rid yourselves of undesirable PMI insurance.
Was your HELOC recently frozen?Your lender may make the decision to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area -- even if your specific property has not declined in value. This can be annoying from a cash flow point of view, and destructive to your credit score since it may appear as though that credit line is maxed out. An efficient appraisal from JUDGE APPRAISAL can help you reinstate your HELOC.
We Also Provide Field and Desktop Appraisal Review ServicesHave you just been handed a copy of your appraisal and you would wish to have a seasoned appraiser double-check it for preciseness or do you need a second opinion without the charge and delay of waiting for a whole new appraisal? JUDGE APPRAISAL offers field reviews where we'll go out and check the subject and comps in question. If you're in a hurry, 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.
We can also provide a retrospective review of any appraisal you may have in your possession. While typically requested by banks, you may desire to make use of this service if you suspect mortgage fraud related to your home.