Attention homeowners in and San Diego County: Get an Appraisal today!

Here are the top seven reasons CA homeowners order from Angela Montoya Appraisal:

  1. Pre-listing appraisals (whether you're using an agent or selling the home on your own)
  2. To challenge a CA property tax assessment
  3. Remove PMI to lower a monthly mortgage payment
  4. Reinstate their Home Equity Line of Credit (or HELOC)
  5. Review another appraiser's report for verification
  6. In the case of a CA divorce, where real estate needs to be divided
  7. Settle an estate in CA by determining the true market value of real estate in question

Need help deciding the price of your home in or near , CA?
Contact Angela Montoya Appraisal.

We at Angela Montoya Appraisal understand the unique needs of a customer in need of appraisal services. While our usual clients understand the appraisal process and standard reporting formats, you as a consumer will get extra 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

It's very hard to be objective about your house because you most likely have an emotional attachment to it. Professional appraisers, like the ones at Angela Montoya Appraisal, 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 house will attract interested buyers, a professional appraisal is very crucial as a negotiating tool once you have an attainable buyer. It's something concrete to show the buyer. The appraisal is an independent third party's opinion of your property's value, not just you saying how much 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 expert appraiser's value estimation than yours.

Need to cancel PMI?

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is an attractive way to cut expenses for homeowners. Your monthly payments will go down once your mortgage loan amount is less than 80% of the value of your home. In most cases you can apply to your lender to have the PMI removed from your loan. We are experienced in helping customers just like you rid themselves of unnecessary PMI insurance.

Challenge Tax Assessment

Lets say your home is not appreciating as much as other homes close by -- your local tax assessor may have your home overvalued. That means you're paying more taxes than you should. 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. When contesting your property tax assessment, getting an appraisal from Angela Montoya Appraisal is your perfect weapon.

Recently got a freeze your HELOC?

Even if your specific property has not declined in value, your lender just may choose to automatically freeze your home equity line of credit (HELOC) if your home is in a declining area. 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 angle. A professional appraisal from Angela Montoya Appraisal can help you reinstate your HELOC.

We Offer Field and Desktop Appraisal Review Services

Do you need a seasoned professional to double-check your appraisal for accuracy, or do you want a second opinion without the cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables in a field review. Or, if you need it ASAP, 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.

Do you need a retrospective review of an appraisal report? Angela Montoya Appraisal can help you with that. While usually requested by banks, you may desire to take advantage of this service if you suspect mortgage fraud related to your property.