Appraisal services for Camarillo and Camarillo County homeowners
Here are the top 7 reasons why California homeowners call on Buenaventura Appraisal Company :
We at Buenaventura Appraisal Company understand the particular needs of a consumer seeking appraisal services. While our usual clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of customer service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.
For-Sale-by-Owner (FSBO) / Pre-Listing ServicesIt's very hard to be objective about your own house because of your emotional attachment to it. The professional appraisers at Buenaventura Appraisal Company will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic selling price so your house will attract many interested buyers, a professional appraisal is very important as a negotiating tool once you have an interested buyer. It's something concrete to show your buyer. An appraisal is an independent third party's opinion of your property's value -- not just how much you think your home is worth. Interested buyers know you have an emotional attachment to your house and will be far more likely to give credibility to an accomplished appraiser's value judgement than yours.
Challenge property tax assessmentsIf you live in a local area that is declining or not appreciating as much as other homes nearby, your local tax assessor may have your house overvalued. 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. An appraisal from Buenaventura Appraisal Company is your number one weapon when challenging your property tax assessment.
Need to remove PMI?PMI stands for Private Mortgage Insurance. An attractive way to cut expenses for homeowners is getting the PMI removed 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 house. In most cases you can apply to your lender to have the PMI removed from your loan. We're seasoned in helping people just like you do away with undesirable PMI insurance.
Was your HELOC recently frozen?Even if your specific property has not declined in value, your lender may decide to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area. This can be difficult and inconvenient from a cash flow point of view, and detrimental to your credit score since it may appear as though that credit line is maxed out. An expert appraisal from Buenaventura Appraisal Company can help you reinstate your HELOC.
Do You Need Field and Desktop Appraisal Review Services?Do you need a seasoned appraiser to double-check your appraisal for efficiency, or do you want a second opinion without the added cost and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comps in question. Or, if you need it immediately, 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 retrospective review of any appraisal report you may have had done before. Even though most appraisal reviews are commissioned by lenders, homeowners that have reason to believe they've been the victim of mortgage fraud are prudent to get a second opinion.