Attention homeowners in Costa Mesa and Orange County: Get an Appraisal today!
Here are the top reasons California homeowners use Dale Andersen:
At Dale Andersen, we understand the unique needs of a homeowner looking for appraisal services. Our business practices and reporting formats are relatively routine to our business clients like lenders, attorneys, and CPAs. But as a general consumer, you will receive extra guidance and explanations through the appraisal process to more clearly understand what we do and how we report our findings.
For Sale by Owner (FSBO)/Pre-Listing ServicesSince you have an emotional attachment to your own house, it's often very hard to be objective about it. A professional appraiser is objective and will 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 property will attract buyers, a professional appraisal is very important as a negotiating tool once you have a likely buyer. It's something tangible to show your buyer. An appraisal is an independent third party's opinion of your house's value -- not just how much you think your house is worth. Interested buyers assume you have an emotional attachment to your house and will be far more likely to give credibility to an accomplished appraiser's value conclusion than yours.
Challenging a property tax assessmentIf you live in a local area that is going down or not appreciating as much as other properties close by, your local tax assessor may have your house overvalued. That only means you're most likely 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. A professional appraisal from Dale Andersen is your chief weapon when challenging your property tax assessment.
Appraisals to remove PMIPMI stands for Private Mortgage Insurance. A preferred way to cut costs for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount is down below 80% of the value of your house, in most cases you can apply to a lender to have the PMI eliminated from your loan, which will make your monthly payments go down. We are veterans in helping consumers just like you rid themselves of unneeded PMI insurance.
Was your HELOC recently frozen?If your property is close to a declining area, your lender may just choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be inconvenient from a cash flow point of view, and harmful to your credit score since it may appear as though that credit line is maxed out. Dale Andersen can provide you with efficient appraisal to help you reinstate your home equity line of credit.
Field and Desktop Appraisal Review ServicesHave you just accepted a copy of your appraisal and you'd prefer to have a seasoned expert double-check it for preciseness or do you desire a second opinion without the added cost and delay of waiting for a whole new appraisal? An appraiser from Dale Andersen can go out and check the subject and comparables in question in a field review. 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.
Do you need a retrospective review of an appraisal report? We can help with that too. While typically requested by banks, you may want to exercise this service if you suspect mortgage fraud related to your home.