Appraisal services for Oceanside and San Diego County homeowners

Here are the top seven reasons why CA homeowners need Appraisal Systems:

  1. Get a pre-listing appraisal (whether they're selling the home on their own or using a real estate agent)
  2. To challenge a CA property tax assessment
  3. To lower your monthly mortgage payment by removing PMI
  4. Reinstate their Home Equity Line of Credit (or HELOC)
  5. Verify a different appraiser's report
  6. In the case of a CA divorce, when real estate property needs to be divided
  7. To settle an estate in San Diego county or CA by determining the true market value of real estate in question

Own a house in or near Oceanside, CA and need help deciding the value of it?
Contact Appraisal Systems.

We at Appraisal Systems understand the particular needs of a consumer seeking appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like banks, attorneys, and accountants. As our non-traditionalclient, we will give you extra guidance and explanations through the appraisal process to understand what we do and how we present our conclusions.

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. 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 selling price so your house will attract many interested buyers, a professional appraisal is very crucial as a negotiating tool once you have a potential buyer. It gives you something tangible to show your buyer. It's an independent third party's opinion of your home's value, and not just how much your house is worth. Potential buyers assume you have an emotional attachment to your house and will be much more likely to give credibility to an accomplished appraiser's value report than yours.

Need to cancel PMI?

A popular way to cut costs for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan is below 80% of the value of your property, in most cases you can apply to your lender to have the PMI canceled from your loan, which will make your monthly payments go down. We're qualified in helping homeowners just like you do away with unwanted and unneeded PMI insurance.

Challenge Tax Assessment

Lets say your home is not appreciating as much as other homes nearby -- your local tax assessor may have your house overvalued. That means you're paying more taxes than you should. The quicker you take care of things like this, the better, since your property assessment may likely go up again in the next period. When contesting your property tax assessment, getting a professional appraisal from Appraisal Systems is your chief weapon.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender may just make the decision to automatically freeze your home equity line of credit (HELOC) if your property is in or near a declining area. This can this be troublesome from a cash flow viewpoint, and detrimental to your credit score since it may appear as though that credit line is maxed out. Appraisal Systems can help you reinstate your HELOC.

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 expense and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables in a field review. If you need it ASAP, we'll provide you with a 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 in your possession. Even though this is usually requested by banks, you may wish to use this service if you suspect mortgage fraud related to your home.