Appraisal services for Huntington Beach and Orange County homeowners

Here are the top 7 reasons why CA homeowners need Mike Collier Appraisals:

  1. To get a pre-listing appraisal (whether they're selling the home themselves or using a real estate agent)
  2. To challenge a CA property tax assessment
  3. To lower your mortgage payments by removing PMI
  4. To reinstate their Home Equity Line of Credit (HELOC)
  5. Verify another appraiser's report
  6. If real estate property needs to be divided because of a divorce
  7. Settle an estate in CA by determining the true market value of property in question

Need help determining the value of your house in or near Huntington Beach, CA?
Contact Mike Collier Appraisals.

At Mike Collier Appraisals, we 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 extra customer service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.

Pre-listing Services/For Sale By Owner (FSBO)

Since you have an emotional attachment to your home, it's often very hard to be objective about it. Professional appraisers, like the ones at Mike Collier Appraisals, will be objective. We will 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 property will attract buyers, a professional appraisal is very valuable as a negotiating tool once you have a likely buyer. It's something concrete to show the buyer. The appraisal is an independent third party's opinion of your property'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 an accomplished appraiser's value assessment than yours.

Appraisals to cancel PMI

PMI stands for Private Mortgage Insurance. A popular way to save money for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount is down below 80% of the value of your home, in most cases you can apply to the lender to have the PMI removed from your loan, which will make your monthly payments go down. We're seasoned in helping consumers just like you rid yourselves of unneeded and unwanted PMI insurance.

Challenging a property tax assessment

Your local tax assessor may have your home overvalued if you live in an area that's declining. This only means you are most likely paying higher taxes than you should be paying. The quicker you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. An expert appraisal from Mike Collier Appraisals is your number one weapon when challenging your property tax assessment.

Recently got a freeze your HELOC?

If your home is close to a declining area, your lender might make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can this be disadvantageous from a cash flow point of view, and harmful to your credit score since it may appear as though that credit line is maxed out. An efficient appraisal from Mike Collier Appraisals can help you reinstate your HELOC.

We Offer Field and Desktop Appraisal Review Services

Have you just gotten a copy of your appraisal and you would like to have a veteran appraiser double-check it for precision or do you want a second opinion without the cost and delay of waiting for a whole new appraisal? An appraiser from Mike Collier Appraisals can go out and check the subject and comps in a field review. 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.

Do you need a retrospective review of an appraisal report? Mike Collier Appraisals can help you with that. Even though this is usually requested by banks, you may desire to use this service if you suspect mortgage fraud related to your house.