Real estate appraisal services for homeowners in the city of Mission Viejo and Orange County
Here are the top seven reasons CA homeowners hire Alberto Bustos:
Need help determining the price of your house in or near Mission Viejo, CA?
We at Alberto Bustos understand the individual needs of a homeowner looking for appraisal services. The appraisal process and reporting formats are familiar to our business clients like lenders, lawyers, and accountants. As our valued client, you can expect extra guidance and explanations through the appraisal process to understand what we do and how we report the results of our analysis.
For Sale By Owner (FSBO)/Pre-Listing Services
It's very hard to be objective about your home because of your emotional attachment to it. The professional appraisers at Alberto Bustos will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is very important as a negotiating tool once you have a potential buyer, in addition to helping you set a realistic selling price so your house will attract many interested buyers. It's something tangible to show the buyer. It's an independent third party's opinion of your home's price, and not just you saying how much your home is worth. Interested buyers know that you have an emotional attachment to your home and will be more likely to give credibility to a professional appraiser's value assessment than yours.
Appraisals to cancel PMI
A fashionable way to save money for homeowners is to get the PMI eliminated 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 is down below 80% of the value of your home. In most cases you can apply to your lender to have the PMI canceled from your loan. We are experts in helping folks just like you rid themselves of unnecessary PMI insurance.
Challenging property tax assessments
Your local tax assessor may have your house overvalued if you live in a region that's going down or is not appreciating as much as other properties nearby. This only means you're probably paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the faster you take care of things like this, the better. Getting an appraisal from Alberto Bustos is your strongest weapon when challenging your property tax assessment.
Was your HELOC recently frozen?
If your home is near a declining area, your lender might 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 detrimental to your credit score since it may appear as though that credit line is maxed out, and also disadvantageous from a cash flow angle. Alberto Bustos can help you reinstate your HELOC.
We Also Provide Field and Desktop Appraisal Review Services
Have you just been handed a copy of your appraisal and you would like to have a professional double-check it for efficiency or do you need a second opinion without the charge and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in a field review. 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? Alberto Bustos can We can assist you. While usually requested by banks, you may wish to use this service if you suspect mortgage fraud related to your property.