Attention homeowners: Real estate appraisal services for in La Jolla and San Diego County

Check out the top reasons CA homeowners need Angel Acosta:

  1. Get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
  2. Challenge a property tax assessment
  3. To lower a mortgage payment by removing PMI
  4. Reinstate your Home Equity Line of Credit (HELOC)
  5. Verify another appraiser's report
  6. In the case of a CA divorce, when real estate needs to be divided
  7. Settle an estate in CA by determining the true market value of property in question

Do you own a house in or near La Jolla? Do you need help deciding the price of your real estate?
Contact Angel Acosta.

We at Angel Acosta understand the individual needs of a consumer after appraisal services. Our customary business clients are used to the appraisal process and the customary documents we provide. Being a regular homeowner that probably doesn't look at appraisals every day,we will give you extra guidance and explanations through the appraisal process to more clearly understand what we do and how we present our findings.

Pre-listing Services/For Sale By Owner

It's very hard to be objective about your own home because of your emotional attachment to 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 a potential buyer, in addition to helping you set a realistic price to sell at so your property will attract interested buyers. It's something concrete to show your buyer. The appraisal is an independent third party's opinion of your property's price, not just how much you think your house is worth. Potential buyers know you have an emotional attachment to your house and will be more likely to give credibility to an accomplished appraiser's value assessment than yours.

Appraisals to remove PMI

PMI stands for Private Mortgage Insurance. A popular way to cut expenses for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is below 80% of the value of your property, in most cases you can apply to a lender to have the PMI eliminated from your loan, which will make your monthly payments go down. We are qualified in helping folks just like you dismiss unnecessary PMI insurance.

Challenge a property tax assessment

Your local tax assessor may have your home overvalued if your home not appreciating as much as other houses close by. This 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 earlier you take care of things like this, the better. Getting an appraisal from Angel Acosta is your best weapon when contesting your property tax assessment.

HELOC recently frozen?

If your house is in a declining area, your lender just may choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be annoying from a cash flow standpoint, but it can be detrimental to your credit score since it may appear as though that credit line is maxed out. Angel Acosta can help you reinstate your HELOC.

Need Field and Desktop Appraisal Review Services?

Have you just received a copy of your appraisal and you would wish to have an expert double-check it for accuracy or do you need a second opinion without the expense and delay of waiting for a whole new appraisal? An appraiser from Angel Acosta can go out and check the subject and comps in question in a field review. Or, if you need it immediately, 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? Angel Acosta can help with that too. Even though this is typically requested by banks, you may need to employ this service if you suspect mortgage fraud related to your house.