Attention homeowners in Huntington Beach and Orange County: Need an appraisal?
Check out the top reasons CA homeowners need D. Michael Rogers:
Need help deciding the price of your home in or near Huntington Beach, CA?
We at D. Michael Rogers understand the individual needs of a customer in need of appraisal services. Our business practices and reporting formats are familiar to our business clients like banks, lawyers, and accountants. Being a person not in the real estate industry that probably doesn't look at appraisals every day,you will receive extra guidance and explanations through the appraisal process to more fully understand what we do and how we present our conclusions.
Pre-listing Services/For Sale By Owner (FSBO)
It's very hard to be objective about your own home because of your emotional attachment to it. Our professional appraisers at D. Michael Rogers are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. A professional appraisal is a very valuable negotiating tool once you have a potential buyer, in addition to helping you set a realistic selling price so your house will attract buyers. 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 how much you think your home is worth. Potential buyers know you have an emotional attachment to your house and will be much more likely to give credibility to an experienced appraiser's value opinion than yours.
PMI Removal Appraisals
A fashionable way to cut expenses for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Your monthly payments will go down once your mortgage loan amount is down 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. At D. Michael Rogers, we're qualified in helping clients just like you abolish unwanted and unneeded PMI insurance.
Challenge Tax Assessment
Your local tax assessor may have your house overvalued if you live in a region that is going down or is not appreciating as much as other properties close to yours. That only means you are going to pay 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. A professional appraisal from D. Michael Rogers is your perfect weapon when contesting your property tax assessment.
Recently got a freeze your HELOC?
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 home is in a declining area. Not only can this be difficult from a cash flow point of view, but it can be destructive to your credit score since it may appear as though that credit line is maxed out. D. Michael Rogers can help you reinstate your home equity line of credit with efficient appraisal.
Field and Desktop Appraisal Review Services
Do you need a professional to double-check your appraisal for efficiency, or do you need a second opinion without the added expense and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables in a field review. Or, if you're in a hurry, we can 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 you may have had done before. Even though this is typically requested by banks, you may need to take advantage of this service if you suspect mortgage fraud related to your property.