Real estate appraisal services for homeowners in the city of Aliso Viejo and Orange County
See the top reasons CA homeowners hire JMS Appraisal:
Need help determining the value of your house in or near Aliso Viejo, CA?
We at JMS Appraisal understand the particular needs of a consumer in need of 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
Since you have an emotional attachment to your own home, it's often very hard to be objective about it. Our professional appraisers at JMS Appraisal 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 a very important negotiating tool once you have a potential buyer, in addition to helping you set a realistic price to sell at so your home will attract many interested buyers. It gives you something tangible to show your buyer. It's an independent third party's opinion of your house's value, and not just you saying how much you think your home is worth. Interested buyers know that you have an emotional attachment to your home and will be more likely to give credibility to a qualified appraiser's value opinion than yours.
Appraisals to cancel PMI
PMI stands for Private Mortgage Insurance. An attractive way to save money 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 less than 80% of the value of your home, 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. We are experts in helping homeowners just like you do away with unneeded and unwanted PMI insurance.
Challenge Tax Assessment
If you live in a local area that is declining or is not appreciating as much as other houses close by, your local tax assessor may have your house overvalued. This only means you are going to pay higher taxes than you should be paying. The quicker you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. Getting an appraisal from JMS Appraisal is your chief weapon when contesting your property tax assessment.
Recently got a freeze your HELOC?
Your lender may just make the decision to automatically freeze your home equity line of credit (HELOC) if your home is close to a declining area -- even if your specific property has not declined in value. This can this be annoying from a cash flow standpoint, and unfavorable to your credit score since it may appear as though that credit line is maxed out. JMS Appraisal can provide you with an expert appraisal to help you reinstate your home equity line of credit.
We Also Offer Field and Desktop Appraisal Review Services
Have you just received a copy of your appraisal and you'd wish to have a veteran appraiser double-check it for accuracy or do you need a second opinion without the added expense and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables in question in a field review. 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.
Need a retrospective review of an appraisal? We can help with that too. Even though this is usually requested by banks, you may desire to employ this service if you suspect mortgage fraud related to your house.