Appraisal services for San Marcos and San Diego County homeowners

See the top reasons CA homeowners hire Anne Graham-Macier:

  1. Get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
  2. Challenge San Diego county's assessment of your property
  3. To lower a monthly mortgage payment by removing PMI
  4. To reinstate your Home Equity Line of Credit (HELOC)
  5. To review a different appraiser's report for verification
  6. If property needs to be divided because of a divorce
  7. Determine the true market value of property in question to settle an estate

Need help determining the price of your home in or near San Marcos, CA?
Contact Anne Graham-Macier.

At Anne Graham-Macier, we understand the special needs of a homeowner seeking appraisal services. The appraisal process and reporting formats are familiar to our business clients like lenders, lawyers, and CPAs. Being a homeowner that probably doesn't see an appraisal on a regular basis,we will give you extra guidance and explanations through the appraisal process to more fully understand what we do and how we document the results of our analysis.

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

Since you have an emotional attachment to your home, it's often very hard to be objective about it. A professional appraiser is objective and 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 an attainable buyer, in addition to helping you set a realistic price to sell at so your property will attract many interested buyers. The appraisal is something concrete 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 house is worth. Interested buyers assume that you have an emotional attachment to your house and will be much more likely to give credibility to a qualified appraiser's value estimation than yours.

Appraisals to remove PMI

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

Challenging property tax assessments

Your local tax assessor may have your home overvalued if your house not appreciating as much as other houses close to yours. This only means you're probably paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the faster you take care of a matter like this, the better. An expert appraisal from Anne Graham-Macier is your strongest weapon when contesting your property tax assessment.

Recently got a freeze your HELOC?

Even if your specific property has not declined in value, your lender may just choose to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area. This can this be difficult from a cash flow angle, and unfavorable to your credit score since it may appear as though that credit line is maxed out. Anne Graham-Macier can help you reinstate your home equity line of credit with a professional appraisal.

We Offer Field and Desktop Appraisal Review Services

Have you just been handed a copy of your appraisal and you would prefer to have an expert double-check it for verity or do you need a second opinion without the cost and delay of waiting for a whole new appraisal? An appraiser from Anne Graham-Macier can go out and check the subject and comparables in question in a field review. Or, if you're in a rush, 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? Anne Graham-Macier can We can assist you. While usually requested by banks, you may wish to exercise this service if you suspect mortgage fraud related to your house.