Need an appraisal in San Diego or San Diego County?
See the top reasons CA homeowners order from Kopaniasz Appraisals Inc.:
Do you own a home in or near San Diego? Do you need help determining the value of your real estate?
At Kopaniasz Appraisals Inc., we understand the particular needs of a customer seeking appraisal services. Our regular business clients are used to the appraisal process and the customary documents we provide. As our client, you'll receive extra guidance and explanations through the appraisal process to more fully understand what we do and how we present the results of our analysis.
Pre-listing Services/For Sale By Owner
Since you have an emotional attachment to your own home, it's often very hard to be objective about it. Professional appraisers, like the ones at Kopaniasz Appraisals Inc., are objective. We'll 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 home will attract buyers, a professional appraisal is a very valuable negotiating tool once you have a potential buyer. The appraisal is something concrete to show your buyer. An appraisal is an independent third party's opinion of your house's price -- not just how much you think your home is worth. Potential buyers assume you have an emotional attachment to your home and will be more likely to give credibility to a qualified appraiser's value judgement than yours.
Appraisals to remove PMI
Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a fashionable money saver for homeowners. 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 canceled from your loan. At Kopaniasz Appraisals Inc., we're experts in helping customers just like you rid themselves of unnecessary PMI insurance.
Challenging a property tax assessment
Your local tax assessor may have your home overvalued if you live in a region that is declining. That means you're most likely paying more taxes than you should. Since your property assessment may likely go up again in the next period, the faster you take care of a matter like this, the better off you'll be. Getting a professional appraisal from Kopaniasz Appraisals Inc. is your #1 weapon when challenging your property tax assessment.
Was your HELOC recently frozen?
If your house is in a declining area, your lender might just 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 negative on your credit score since it may appear as though that credit line is maxed out, and also troublesome from a cash flow point of view. Kopaniasz Appraisals Inc. can provide you with a professional appraisal to help you reinstate your home equity line of credit.
Need Field and Desktop Appraisal Review Services?
Have you just been given a copy of your appraisal and you'd wish to have an expert double-check it for verity or do you want a second opinion without the added expense and delay of waiting for a whole new appraisal? Kopaniasz Appraisals Inc. offers field reviews where we go out and check the subject and comps. If you need it ASAP, we'll provide desk review and verify as many facts as we can using online data sources as well as our own files.
We can also provide a retrospective review of any appraisal you may have had in the past. While typically requested by banks, you may want to employ this service if you suspect mortgage fraud related to your home.