Need an appraisal in Mission Viejo or Orange County?

Here are the top reasons CA homeowners use Mike Chaves Appraisals:

Pre-listing appraisals (whether they're selling the home on their own or using a real estate agent)
Challenge a property tax assessment
To cut their monthly mortgage payment by removing PMI
To reinstate your Home Equity Line of Credit (HELOC)
Verify a different appraiser's report
In the case of a CA divorce, where real estate property needs to be divided
Settle an estate in CA by determining the true market value of real estate in question

Own a home in or near Mission Viejo, CA and need help deciding the value of it?
Contact Mike Chaves Appraisals.

At Mike Chaves Appraisals, we understand the particular needs of a homeowner looking for appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like lenders, attorneys, and accountants. Being a regular person not in the real estate field that probably doesn't look at appraisals every day,we will give you extra guidance and explanations through the appraisal process to better understand what we do and how we report our conclusions.

Pre-listing Services/For Sale By Owner

It's very hard to be objective about your own house because you probably have an emotional attachment to it. Professional appraisers, like the ones at Mike Chaves Appraisals, will be objective. We will tell you what you need to know, not just what you want to hear. A professional appraisal is a very valuable negotiating tool once you have a likely buyer, in addition to helping you set a realistic selling price so your property will attract buyers. It's something tangible to show the buyer. The appraisal is an independent third party's opinion of your house's price, not just you saying how much your home is worth. Potential buyers know you have an emotional attachment to your home and will be far more likely to give credibility to an experienced appraiser's value judgement than yours.

PMI Removal Appraisals

PMI stands for Private Mortgage Insurance. An attractive money saver for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount is below 80% of the value of your property, in most cases you can apply to a lender to have the PMI canceled from your loan, which will make your monthly payments go down. We are seasoned in helping clients just like you delete unwanted PMI insurance.

Challenge Orange county's assessment of your property

If you live in an area that is going down or is not appreciating as much as other properties nearby, your local tax assessor may have your home overvalued. That only means you are probably paying 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 off you'll be. When challenging your property tax assessment, getting an expert appraisal from Mike Chaves Appraisals is your best weapon.

Recently got a freeze your HELOC?

Your lender just might decide to automatically freeze your home equity line of credit (HELOC) if your home is in a declining area -- even if your specific property has not declined in value. This can this be disadvantageous from a cash flow point of view, and bad for your credit score since it may appear as though that credit line is maxed out. Mike Chaves Appraisals can help you reinstate your home equity line of credit with a professional appraisal.

Need Field and Desktop Appraisal Review Services?

Have you just received a copy of your appraisal and you'd like to have a veteran appraiser double-check it for precision or do you desire a second opinion without the expense and delay of waiting for a whole new appraisal? Mike Chaves Appraisals offers field reviews where we go out and check the subject and comps in question. 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? Mike Chaves Appraisals can help you with that. Even though this is usually requested by banks, you may want to use this service if you suspect mortgage fraud related to your house.