Attention homeowners in Rancho Santa Margarita and Orange County: Get an Appraisal today!

Here are the top 7 reasons CA homeowners order from Mike Pereira:

  1. Get a pre-listing appraisal (whether they're selling the home on their own or using a real estate agent)
  2. Challenge Orange county's assessment of your property
  3. Remove PMI to cut their monthly mortgage payment
  4. Reinstate their Home Equity Line of Credit (HELOC)
  5. Review another appraiser's report for verification
  6. In the case of a CA divorce, where real estate property needs to be divided
  7. Determine the true market value of real estate in question to settle an estate in Orange county or CA

Do you own a house in or near Rancho Santa Margarita? Do you need help determining the value of your real estate?
Contact Mike Pereira.

We at Mike Pereira understand the particular needs of a customer after appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of customer service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.

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

Since you have an emotional attachment to your own house, it's often very hard to be objective about it. Professional appraisers, like the ones at Mike Pereira, are objective. We will tell you what you need to know, not just what you want to hear. A professional appraisal is very important as a negotiating tool once you have a potential buyer, in addition to helping you set a realistic price to sell at so your house will attract many interested buyers. It gives you something tangible to show the buyer. The appraisal is an independent third party's opinion of your property's value, not just you saying how much you think your home is worth. Potential buyers know that you have an emotional attachment to your house and will be more likely to give credibility to an accomplished appraiser's value report than yours.

Appraisals to remove PMI

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a fashionable way to cut costs for homeowners. Once your mortgage loan amount is less than 80% of the value of your property, in most cases you can apply to your lender to have the PMI eliminated from your loan, which will make your monthly payments go down. At Mike Pereira, we're qualified in helping folks just like you abolish unneeded and unwanted PMI insurance.

Challenging Orange county's assessment of your property

Lets say you live in a local area that's going down -- your local tax assessor may have your house overvalued. 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 a matter like this, the better off you'll be. When contesting your property tax assessment, getting a professional appraisal from Mike Pereira is your best weapon.

Was your HELOC recently frozen?

If your house is in or near a declining area, your lender might just make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can this be troublesome from a cash flow viewpoint, and damaging to your credit score since it may appear as though that credit line is maxed out. Mike Pereira can provide you with efficient appraisal that will help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Have you just accepted a copy of your appraisal and you would prefer to have a seasoned professional double-check it for preciseness or do you want a second opinion without the added expense and delay of waiting for a whole new appraisal? An appraiser from Mike Pereira can go out and check the subject and comps in a field review. Or, if you need it immediately, we can provide desk review and verify as many facts as we can using online data sources as well as our own files.

Need a retrospective review of an appraisal report? We can We can assist you While usually requested by banks, you may wish to take advantage of this service if you suspect mortgage fraud related to your property.