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Appraisal services for Newbury Park and Ventura County homeowners
Here are the top seven reasons why California homeowners call on Choice Appraisals, Inc.:
- Find the right listing price (whether you're using an agent or selling the home on your own)
- Challenge a property tax assessment
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Remove PMI to cut their mortgage payment
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To reinstate your Home Equity Line of Credit (HELOC)
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Verify a different appraiser's report
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If property needs to be divided because of a divorce
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Settle an estate in California by determining the true market value of a property
We at Choice Appraisals, Inc. understand the special needs of a consumer in need of appraisal services.
Our usual business clients are used to the appraisal process and the usual reporting formats. But as a general consumer, you will receive extra guidance and explanations through the appraisal process to better understand what we do and how we document the results of our analysis.
For-Sale-by-Owner (FSBO) / Pre-Listing Services
Since you have an emotional attachment to your own 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.
A professional appraisal is very important as a negotiating tool once you have a potential buyer, in addition to helping you set a realistic price to sell at so your property will attract buyers.
The appraisal is something tangible to show the buyer.
An appraisal is an independent third party's opinion of your home's value -- not just how much your home is worth.
Potential buyers know that you have an emotional attachment to your house and will be far more likely to give credibility to an experienced appraiser's value estimation than yours.
Challenging a property tax assessment
Let's say you live in an area that's going down -- your local tax assessor may have your house overvalued.
This means you are probably paying higher taxes than you should be paying.
The quicker 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 report from Choice Appraisals, Inc. is your #1 weapon when contesting your property tax assessment.
Need to remove PMI?
PMI stands for Private Mortgage Insurance. A fashionable way to cut costs for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments.
Once your mortgage loan amount is below 80% of the value of your house, in most cases you can apply to a lender to have the PMI removed from your loan, which will make your monthly payments go down.
At Choice Appraisals, Inc., we're qualified in helping customers just like you do away with unneeded PMI insurance.
Was your HELOC recently frozen?
Even if your specific property has not declined in value, your lender just may make the decision to automatically freeze your home equity line of credit (HELOC) if your home is in or near a declining area.
Not only can this be inconvenient from a cash flow standpoint, but it can be damaging to your credit score since it may appear as though that credit line is maxed out.
Choice Appraisals, Inc. can help you reinstate your HELOC.
We Provide Field and Desktop Appraisal Review Services
Would you wish a second opinion without the added expense and delay of waiting for a whole new appraisal? Or do you need a professional to double-check your appraisal for efficiency?
Choice Appraisals, Inc. offers field reviews where we go out and check the subject and comps.
If you need it immediately, 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 report? Choice Appraisals, Inc. can help you with that.
While typically requested by banks, you may want to use this service if you suspect mortgage fraud related to your property.
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