Real estate appraisal services for homeowners in the city of Huntingtn Bch and Orange County
Here are the top 7 reasons why CA homeowners hire Michelle Clyde Appraisals:
Own a home in or near Huntingtn Bch, CA and need help determining the price of it?
We at Michelle Clyde Appraisals understand the particular needs of a consumer in need of appraisal services. While our typical 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.
For-Sale-By-Owner (FSBO) / Pre-Listing Services
It's very hard to be objective about your house because you most likely have an emotional attachment to it. Our professional appraisers at Michelle Clyde Appraisals 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 selling price so your property will attract many interested buyers. The appraisal is something concrete to show your buyer. An appraisal is an independent third party's opinion of your home's value -- not just you saying how much your home is worth. Potential buyers assume that you have an emotional attachment to your home and will be more likely to give credibility to an expert appraiser's value judgement than yours.
PMI Removal Appraisals
Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a fashionable way to cut costs for homeowners. Your monthly payments will go down once your mortgage loan amount is below 80% of the value of your home. In most cases you can apply to your lender to have the PMI canceled from your loan. We are experts in helping people just like you rid yourselves of unneeded PMI insurance.
Challenge a property tax assessment
Lets say your house is not appreciating as much as other houses close by -- your local tax assessor may have your home overvalued. That only means you're most likely paying more taxes than you should. Since your property assessment may likely go up again in the next period, the faster you take care of a matter like this, the better off you'll be. An appraisal report from Michelle Clyde Appraisals is your #1 weapon when contesting your property tax assessment.
HELOC recently frozen?
Even if your specific property has not declined in value, your lender just may choose to automatically freeze your home equity line of credit (HELOC) if your home is close to a declining area. This can be be negative on your credit score since it may appear as though that credit line is maxed out, and also troublesome from a cash flow angle. An efficient appraisal from Michelle Clyde Appraisals can help you reinstate your HELOC.
Need Field and Desktop Appraisal Review Services?
Do you need an expert to double-check your appraisal for precision, or do you want a second opinion without the added cost and delay of waiting for a whole new appraisal? Michelle Clyde Appraisals offers field reviews where we go out and check the subject and comparables in question. Or, if you need it 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.
Do you need a retrospective review of an appraisal report? Michelle Clyde Appraisals can help you with that. Even though this is usually requested by banks, you may desire to exploit this service if you suspect mortgage fraud related to your property.