Real estate appraisal services for homeowners in the city of San Diego and San Diego County
The top 7 reasons why CA homeowners call on Chris Circuit:
Do you own a home in or near San Diego? Do you need help determining the price of your real estate?
We at Chris Circuit understand the unique needs of a homeowner in need of appraisal services. Our regular business clients get the appraisal process and the standard reporting formats. Being a consumer that most likely doesn't look at appraisals on a regular basis,we will give you extra guidance and explanations through the appraisal process to understand what we do and how we document the results of our analysis.
For Sale By Owner/Pre-Listing Services
Since you have an emotional attachment to your own home, 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 home will attract interested buyers, a professional appraisal is a very important negotiating tool once you have a potential buyer. It's something tangible to show the buyer. An appraisal is an independent third party's opinion of your home's value -- not just you saying how much you think your home is worth. Potential buyers assume you have an emotional attachment to your house and will be much more likely to give credibility to an experienced appraiser's value report than yours.
Appraisals to cancel PMI
PMI stands for Private Mortgage Insurance. A fashionable way to cut costs for homeowners is to get the PMI canceled 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 property, 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. Chris Circuit is qualified in helping clients just like you remove unneeded PMI insurance.
Challenge a property tax assessment
Your local tax assessor may have your home overvalued if you live in a local area that is going down. That means you're probably paying more taxes than you should. Since your property assessment may likely go up again in the next period, the sooner you take care of things like this, the better. When contesting your property tax assessment, getting an appraisal report from Chris Circuit is your chief weapon.
Was your HELOC recently frozen?
Even if your specific property has not declined in value, your lender might make the decision to automatically freeze your home equity line of credit (HELOC) if your home is in a declining area. This can this be inopportune from a cash flow standpoint, and negative on your credit score since it may appear as though that credit line is maxed out. Chris Circuit can help you reinstate your HELOC.
Do You Need Field and Desktop Appraisal Review Services?
Would you wish a second opinion without the added cost and delay of waiting for a whole new appraisal? Or do you desire a seasoned professional to double-check your appraisal for accuracy? We can go out and check the subject and comparables 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.
We can also provide you with a a retrospective review of any appraisal you may have in your possession. Even though this is typically requested by banks, you may desire to use this service if you suspect mortgage fraud related to your property.