Appraisal services for Tustin and Orange County homeowners
The top seven reasons why CA homeowners call on Skinner Appraisals:
Do you own a house in or near Tustin? Do you need help determining the value of your real estate?
We at Skinner Appraisals understand the particular needs of a homeowner seeking appraisal services. Our business practices and reporting formats are relatively routine to our business clients like banks, lawyers, and accountants. Being a regular person not in the real estate field that most likely doesn't see an appraisal every day,you'll receive extra guidance and explanations through the appraisal process to more clearly understand what we do and how we report our conclusions.
For-Sale-By-Owner (FSBO) / Pre-Listing Services
Since you have an emotional attachment to your own house, it's often very hard to be objective about it. Professional appraisers, like the ones at Skinner Appraisals, are objective. We 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 very important as a negotiating tool once you have an attainable buyer. The appraisal is something tangible to show your buyer. The appraisal is an independent third party's opinion of your property's value, not just you saying how much your house is worth. Potential buyers know that you have an emotional attachment to your home and will be more likely to give credibility to an experienced appraiser's value judgement than yours.
PMI Removal Appraisals
PMI stands for Private Mortgage Insurance. A popular way to cut costs for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan is below 80% of the value of your home. In most cases you can apply to the lender to have the PMI canceled from your loan. We're experts in helping consumers just like you remove unwanted PMI insurance.
Challenging property tax assessments
If you live in a local area that is going down or is not appreciating as much as other properties nearby, your local tax assessor may have your house 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 quicker you take care of a matter like this, the better. An appraisal from Skinner Appraisals is your number one weapon when challenging your property tax assessment.
HELOC recently frozen?
If your property is in a declining area, your lender might just decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be harmful to your credit score since it may appear as though that credit line is maxed out, and also unsuitable from a cash flow angle. Skinner Appraisals can help you reinstate your HELOC.
We Offer Field and Desktop Appraisal Review Services
Would you wish a second opinion without the charge and delay of waiting for a whole new appraisal? Or do you desire a professional to double-check your appraisal for verity? Skinner Appraisals offers field reviews where we go out and check the subject and comparables in question. Or, if you need it ASAP, 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? Skinner Appraisals can help with that too. While typically requested by banks, you may wish to utilize this service if you suspect mortgage fraud related to your house.