Attention homeowners in San Diego and Orange County: Need an appraisal?

Here are the top 7 reasons why CA homeowners hire Value Vision Appraisals:

  1. To get a pre-listing appraisal (whether they're selling the home on their own or using an agent)
  2. To challenge a CA property tax assessment
  3. To reduce their mortgage payment by removing PMI
  4. Reinstate their Home Equity Line of Credit (HELOC)
  5. Review another appraiser's report for verification
  6. If property needs to be divided because of a divorce
  7. To determine the true market value of real estate in question to settle an estate

Own a house in or near San Diego, CA and need help deciding the price of it?
Contact Value Vision Appraisals.

At Value Vision Appraisals, we understand the individual needs of a consumer looking for appraisal services. While our typical business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra 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 own house because you probably have an emotional attachment to it. Our professional appraisers at Value Vision Appraisals are objective. We won't just tell you what you want to hear, we will tell you what you need to know. In addition to helping you set a realistic selling price so your home will attract buyers, a professional appraisal is a crucial negotiating tool once you have a potential buyer. It's something concrete to show your buyer. The appraisal is an independent third party's opinion of your home's value, not just you saying how much your house is worth. Interested buyers know that you have an emotional attachment to your home and will be far more likely to give credibility to a seasoned appraiser's value conclusion than yours.

Need to remove PMI?

PMI stands for Private Mortgage Insurance. A preferred way to save money for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is down below 80% of the value of your home, in most cases you can apply to the lender to have the PMI removed from your loan, which will make your monthly payments go down. Value Vision Appraisals is experts in helping folks just like you get rid of unneeded and unwanted PMI insurance.

Challenging a property tax assessment

If you live in a region that is going down or not appreciating as much as other houses close to yours, your local tax assessor may have your house overvalued. This only means you're most likely paying higher taxes than you should be paying. The earlier you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. An appraisal from Value Vision Appraisals is your chief weapon when contesting your property tax assessment.

HELOC recently frozen?

If your house is in or near a declining area, your lender might just choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be inconvenient from a cash flow point of view, but it can be damaging to your credit score since it may appear as though that credit line is maxed out. Value Vision Appraisals can help you reinstate your home equity line of credit with a professional appraisal.

Do You Need 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 desire a seasoned professional to double-check your appraisal for efficiency? We can go out and check the subject and comparables in a field review. If you need it in a rush, we'll 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 had in the past. While typically requested by banks, you may want to exploit this service if you suspect mortgage fraud related to your property.