Need an appraisal in San Juan Capistrano or Orange County?
Here are the top seven reasons why CA homeowners need Eddy Dade & Associates:
Need help deciding the value of your house in or near San Juan Capistrano, CA?
At Eddy Dade & Associates, we understand the individual needs of a consumer in need of appraisal services. Our typical business clients understand the appraisal process and the usual reporting formats. But as a general consumer,we'll be sure you get extra guidance and explanations through the appraisal process to more fully understand what we do and how we present our findings.
For Sale By Owner (FSBO)/Pre-Listing Services
Since you have an emotional attachment to your own home, it's often very hard to be objective about it. The professional appraisers at Eddy Dade & Associates 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 very valuable as a negotiating tool once you have a potential buyer. It gives you something concrete to show the buyer. The appraisal is an independent third party's opinion of your house's value, not just you saying how much you think your house is worth. Interested buyers know you have an emotional attachment to your home and will be much more likely to give credibility to an expert appraiser's value opinion than yours.
Need to cancel PMI?
Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a fashionable money saver for homeowners. 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, which will make your monthly payments go down. Eddy Dade & Associates is experienced in helping clients just like you rid themselves of unwanted and unneeded PMI insurance.
Challenging Orange county's assessment of your property
Your local tax assessor may have your home overvalued if your house not appreciating as much as other houses nearby. That only means you are going to pay more taxes than you should. Since your property assessment may likely go up again in the next period, the earlier you take care of a matter like this, the better. A professional appraisal from Eddy Dade & Associates is your number one weapon when challenging your property tax assessment.
HELOC recently frozen?
Your lender might make the decision to automatically freeze your home equity line of credit (HELOC) if your property is in or near a declining area -- even if your specific property has not declined in value. This can be be unfavorable to your credit score since it may appear as though that credit line is maxed out, and also disadvantageous from a cash flow point of view. Eddy Dade & Associates can help you reinstate your HELOC.
We Also Offer Field and Desktop Appraisal Review Services
Have you just accepted a copy of your appraisal and you'd prefer to have an expert double-check it for efficiency or do you need a second opinion without the added cost and delay of waiting for a whole new appraisal? Eddy Dade & Associates offers field reviews where we'll go out and check the subject and comps. Or, if you need it in a rush, we can provide desk review and verify as many facts as we can using online data sources as well as our own files.
Need a retrospective review of an appraisal report? We can We can assist you Even though this is usually requested by banks, you may desire to exercise this service if you suspect mortgage fraud related to your house.