Attention homeowners in and San Diego County: Need an appraisal?

The top reasons CA homeowners need Angela Montoya Appraisal:

Find the right listing price (whether they're selling the home on their own or using an agent)
Challenge San Diego county's assessment of your property
To cut their mortgage payments by removing PMI
To reinstate their Home Equity Line of Credit (HELOC)
To review a different appraiser's report for verification
In the case of a CA divorce, where real estate property needs to be divided
To settle an estate in San Diego county or CA by determining the true market value of property in question

Own a home in or near , CA and need help deciding the price of it?
Contact Angela Montoya Appraisal.

We at Angela Montoya Appraisal understand the special needs of a customer looking for 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 Services

It's very hard to be objective about your own home because you most likely have an emotional attachment to it. The professional appraisers at Angela Montoya Appraisal 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 home will attract buyers, a professional appraisal is a very valuable negotiating tool once you have a potential buyer. The appraisal is something tangible to show the buyer. It's an independent third party's opinion of your house's value, and not just you saying how much your home is worth. Potential buyers know that you have an emotional attachment to your house and will be more likely to give credibility to a professional appraiser's value report than yours.

PMI Removal Appraisals

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is an attractive money saver for homeowners. Once your mortgage loan amount is down below 80% of the value of your property, in most cases you can apply to the lender to have the PMI eliminated from your loan, which will make your monthly payments go down. We are veterans in helping consumers just like you do away with unnecessary PMI insurance.

Challenge Tax Assessment

If you live in a region that is declining or not appreciating as much as other properties close to yours, your local tax assessor may have your home overvalued. This means you're most likely paying higher taxes than you should be paying. 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. Getting an appraisal report from Angela Montoya Appraisal is your strongest weapon when challenging your property tax assessment.

Recently got a freeze your HELOC?

Your lender just may choose to automatically freeze your home equity line of credit (HELOC) if your home is close to a declining area -- even if your specific property has not declined in value. This can this be troublesome from a cash flow angle, and unfavorable to your credit score since it may appear as though that credit line is maxed out. Angela Montoya Appraisal can help you reinstate your HELOC.

Need Field and Desktop Appraisal Review Services?

Do you need an expert to double-check your appraisal for preciseness, or do you need a second opinion without the added cost and delay of waiting for a whole new appraisal? Angela Montoya Appraisal offers field reviews where we'll go out and check the subject and comps in question. If you're in a rush, 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 done before. While typically requested by banks, you may desire to use this service if you suspect mortgage fraud related to your house.