Attention homeowners in San Diego and San Diego County: Need an appraisal?

Here are the top 7 reasons CA homeowners order from Paine & Associates:

  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. Remove PMI to lower your mortgage payments
  4. To reinstate your Home Equity Line of Credit (HELOC)
  5. To review a different appraiser's report for verification
  6. In the case of a CA divorce, when real estate property needs to be divided
  7. To settle an estate in CA by determining the true market value of property in question

Do you own a home in or near San Diego? Do you need help determining the value of your real estate?
Contact Paine & Associates.

At Paine & Associates, we understand the unique needs of a customer looking for appraisal services. Our business practices and reporting formats are familiar to our business clients like lenders, attorneys, and accountants. Being a person not in the real estate industry that ordinarily doesn't see an appraisal on a regular basis,we'll be sure you get extra guidance and explanations through the appraisal process to understand what we do and how we present our conclusions.

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

Since you have an emotional attachment to your own home, it's often very hard to be objective about it. Our professional appraisers at Paine & Associates are objective. We won't just tell you what you want to hear, we will tell you what you need to know. A professional appraisal is very important as a negotiating tool once you have an attainable buyer, in addition to helping you set a realistic price to sell at so your home 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 house's value, not just how much your home is worth. Potential buyers know you have an emotional attachment to your house and will be much more likely to give credibility to an experienced appraiser's value judgement than yours.

Need to cancel PMI?

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a fashionable way to cut costs for homeowners. Your monthly payments will go down once your mortgage loan amount is below 80% of the value of your property. In most cases you can apply to the lender to have the PMI canceled from your loan. We're veterans in helping homeowners just like you get rid of unnecessary PMI insurance.

Challenging a property tax assessment

Your local tax assessor may have your home overvalued if your home is not appreciating as much as other houses close to yours. This only means you're going to pay higher taxes than you should be paying. The quicker you take care of things like this, the better, since your property assessment may likely go up again in the next period. Getting a professional appraisal from Paine & Associates is your #1 weapon when challenging your property tax assessment.

HELOC recently frozen?

If your house is near a declining area, your lender just may 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 be be detrimental to your credit score since it may appear as though that credit line is maxed out, and also unsuitable from a cash flow standpoint. Paine & Associates can provide you with efficient appraisal to help you reinstate your home equity line of credit.

We Offer Field and Desktop Appraisal Review Services

Do you need a seasoned appraiser to double-check your appraisal for verity, or do you need a second opinion without the cost and delay of waiting for a whole new appraisal? An appraiser from Paine & Associates can go out and check the subject and comparables in question in a field review. If you need it immediately, we'll 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? We can We can assist you While typically requested by banks, you may need to make use of this service if you suspect mortgage fraud related to your home.