Appraisal services for Rancho Santa Margarita and Orange County homeowners

Here are the top seven reasons why CA homeowners need KC Valuations:

  1. Get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
  2. Challenge property tax assessments
  3. To lower their mortgage payment by removing PMI
  4. To reinstate your Home Equity Line of Credit (or HELOC)
  5. Review a different appraiser's report for verification
  6. If 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 deciding the value of your home in or near Rancho Santa Margarita, CA?
Contact KC Valuations.

At KC Valuations, we understand the special needs of a homeowner looking for appraisal services. Our usual business clients get the appraisal process and the customary reporting formats. But as a consumer,you will receive extra guidance and explanations through the appraisal process to more clearly understand what we do and how we present the results of our analysis.

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

It's very hard to be objective about your own house because you most likely have an emotional attachment to it. Professional appraisers, like the ones at KC Valuations, are objective. We will tell you what you need to know, not just what you want to hear. A professional appraisal is a crucial negotiating tool once you have a likely buyer, in addition to helping you set a realistic price to sell at so your property will attract buyers. It gives you something tangible to show your buyer. It's an independent third party's opinion of your home's price, and not just how much you think your home is worth. Interested buyers assume you have an emotional attachment to your house and will be much more likely to give credibility to a qualified appraiser's value judgement than yours.

PMI Removal Appraisals

A preferred way to cut expenses for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan is down below 80% of the value of your property, 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 homeowners just like you get rid of unnecessary PMI insurance.

Challenging a property tax assessment

Your local tax assessor may have your house overvalued if you live in a local area that's going down or not appreciating as much as other houses close by. That only means you're going to pay more taxes than you should. Since your property assessment may likely go up again in the next period, the quicker you take care of things like this, the better. An expert appraisal from KC Valuations is your best weapon when challenging your property tax assessment.

HELOC recently frozen?

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

Need Field and Desktop Appraisal Review Services?

Do you need a seasoned appraiser to double-check your appraisal for accuracy, or do you desire a second opinion without the added expense and delay of waiting for a whole new appraisal? We can go out and check the subject and comps 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? KC Valuations can We can assist you. While typically requested by banks, you may want to take advantage of this service if you suspect mortgage fraud related to your property.