Real estate appraisal services for homeowners in the city of Los Alamitos and Los Angeles County
The top seven reasons CA homeowners hire SC Appraisals Inc:
Do you own a house in or near Los Alamitos? Do you need help deciding the price of your real estate?
We at SC Appraisals Inc understand the individual needs of a homeowner after appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of customer service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.
Pre-listing Services/For Sale By Owner
Since you have an emotional attachment to your house, it's often very hard to be objective about it. Professional appraisers, like the ones at SC 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 a crucial negotiating tool once you have an attainable buyer. The appraisal is something concrete to show the buyer. The appraisal is an independent third party's opinion of your house's value, not just how much your home is worth. Interested buyers assume you have an emotional attachment to your home and will be more likely to give credibility to an accomplished appraiser's value report than yours.
Need to remove PMI?
A popular way to cut costs for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Your monthly payments will go down once your mortgage loan amount is less than 80% of the value of your house. In most cases you can apply to a lender to have the PMI removed from your loan. At SC Appraisals Inc, we're experts in helping people just like you get rid of unneeded PMI insurance.
Challenge property tax assessments
If you live in a local area that is declining or is not appreciating as much as other houses close to yours, your local tax assessor may have your house overvalued. That means you're probably paying more taxes than you should. The sooner you take care of things 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 SC Appraisals Inc is your chief weapon when challenging 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 close to a declining area -- even if your specific property has not declined in value. This can be be bad for your credit score since it may appear as though that credit line is maxed out, and also inconvenient from a cash flow standpoint. SC Appraisals Inc can provide you with an expert appraisal to help you reinstate your home equity line of credit.
Do You Need Field and Desktop Appraisal Review Services?
Would you wish a second opinion without the charge and delay of waiting for a whole new appraisal? Or do you need a seasoned appraiser to double-check your appraisal for preciseness? SC 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 desk review and verify as many facts as we can using online data sources as well as our own files.
We can also provide you with a a retrospective review of any appraisal report you may have in your possession. While usually requested by banks, you may want to employ this service if you suspect mortgage fraud related to your property.