Attention homeowners: Real estate appraisal services for in Laguna Niguel and Orange County
The top reasons California homeowners use Howard Goldstein and Associates:
At Howard Goldstein and Associates, we understand the particular needs of a customer looking for appraisal services. Our usual business clients are used to the appraisal process and the usual documents we provide. But as a general consumer, we will provide you with 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/Pre-Listing ServicesIt's very hard to be objective about your own house because you probably have an emotional attachment to it. The professional appraisers at Howard Goldstein and Associates 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 property will attract buyers. It gives you something tangible to show your buyer. An appraisal is an independent third party's opinion of your property's value -- not just you saying how much you think your house is worth. Interested buyers assume that you have an emotional attachment to your home and will be far more likely to give credibility to a qualified appraiser's value judgement than yours.
Challenging Orange County's assessment of your propertyYour local tax assessor may have your home overvalued if your house is not appreciating as much as other houses close by. This means you're most likely paying higher taxes than you should be paying. The sooner you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. Getting an appraisal from Howard Goldstein and Associates is your perfect weapon when contesting your property tax assessment.
PMI Removal AppraisalsPMI stands for Private Mortgage Insurance. A preferred way to save money for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is below 80% of the value of your property, in most cases you can apply to a lender to have the PMI eliminated from your loan, which will make your monthly payments go down. Howard Goldstein and Associates is experienced in helping people just like you abolish undesirable PMI insurance.
Recently got a freeze to your HELOC?If your home is close to a declining area, your lender may make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be inconvenient from a cash flow standpoint, but it can be harmful to your credit score since it may appear as though that credit line is maxed out. Howard Goldstein and Associates can help you reinstate your home equity line of credit with efficient appraisal.
Field and Desktop Appraisal Review ServicesHave you just been given a copy of your appraisal and you'd wish to have a professional double-check it for accuracy or do you want a second opinion without the added cost and delay of waiting for a whole new appraisal? An appraiser from Howard Goldstein and Associates can go out and check the subject and comparables in a field review. If you're in a hurry, we'll 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? We can help with that too. While usually requested by banks, you may want to employ this service if you suspect mortgage fraud related to your home.