Attention homeowners in San Diego and San Diego County: Need an appraisal?
The top seven reasons why California homeowners call on McCart Appraisal:
- To get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
- Challenge property tax assessments
To lower a monthly mortgage payment by removing PMI
Reinstate your Home Equity Line of Credit (or HELOC)
To review a different appraiser's report for verification
In the case of a divorce in the state of California, where real estate needs to be divided
To determine the true market value of real estate to settle an estate in San Diego County or the state of California
Do you own a house in or near San Diego? Do you need help deciding the value of your real estate?
Contact McCart Appraisal.
At McCart Appraisal, we understand the unique 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 (FSBO)
It's very hard to be objective about your own home because you probably have an emotional attachment to it.
The professional appraisers at McCart Appraisal will tell you what you need to know -- not just what you want to hear. We are objective.
In addition to helping you set a realistic selling price so your home will attract buyers, a professional appraisal is very valuable as a negotiating tool once you have a likely buyer.
It's something tangible to show your buyer.
It's an independent third party's opinion of your property's value, and not just you saying how much your house is worth.
Interested buyers know you have an emotional attachment to your home and will be far more likely to give credibility to an experienced appraiser's value judgement than yours.
Challenging a property tax assessment
If you live in a region that is going down or is not appreciating as much as other homes nearby, your local tax assessor may have your home overvalued.
This means you are most likely paying higher taxes than you should be paying.
The earlier you take care of things like this, the better, since your property assessment may likely go up again in the next period.
An appraisal from McCart Appraisal is your best weapon when challenging your property tax assessment.
Appraisals to cancel PMI
An attractive way to save money 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 down below 80% of the value of your property. In most cases you can apply to a lender to have the PMI removed from your loan.
McCart Appraisal is qualified in helping clients just like you dismiss unneeded PMI insurance.
Recently got a freeze to your HELOC?
Even if your specific property has not declined in value, your lender may just decide to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area.
This can be unfavorable to your credit score since it may appear as though that credit line is maxed out, and also difficult and inconvenient from a cash flow viewpoint.
An efficient appraisal from McCart Appraisal can help you reinstate your HELOC.
We Also Offer Field and Desktop Appraisal Review Services
Have you just gotten a copy of your appraisal and you'd wish to have a seasoned expert double-check it for efficiency or do you want a second opinion without the added expense 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 rush, we can 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.
Even though most appraisal reviews are requested by lenders for quality control, homeowners that have reason to believe a prior appraisal wasn't above board are prudent to get a second opinion.