Appraisal services for Oceanside and San Diego County homeowners

Here are the top seven reasons why CA homeowners hire Virtich Real Estate Appraisal:

Find the right listing price (whether they're selling the home on their own or using an agent)
Challenge property tax assessments
Remove PMI to cut a mortgage payments
To reinstate their Home Equity Line of Credit (HELOC)
To review another appraiser's report for verification
In the case of a CA divorce, when property needs to be divided
Determine the true market value of real estate in question to settle an estate in CA

Own a house in or near Oceanside, CA and need help determining the price of it?
Contact Virtich Real Estate Appraisal.

At Virtich Real Estate Appraisal, we understand the unique needs of a homeowner looking for appraisal services. Our business practices and reporting formats are familiar to our business clients like banks, lawyers, and accountants. Being a regular person not in the real estate business that most likely doesn't see an appraisal on a regular basis,we will give you extra guidance and explanations through the appraisal process to better understand what we do and how we document the results of our analysis.

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

It's very hard to be objective about your house because you probably have an emotional attachment to it. The professional appraisers at Virtich Real Estate Appraisal will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is very important as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic price to sell at so your home will attract buyers. It gives you something tangible to show the buyer. It's an independent third party's opinion of your property's value, and not just how much your home is worth. Interested buyers assume that you have an emotional attachment to your home and will be more likely to give credibility to a qualified appraiser's value estimation than yours.

Need to cancel PMI?

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a popular way to cut expenses for homeowners. Your monthly payments will go down once your mortgage loan is less than 80% of the value of your home. In most cases you can apply to the lender to have the PMI eliminated from your loan. We are experts in helping clients just like you dismiss unwanted PMI insurance.

Challenge San Diego county's assessment of your property

Your local tax assessor may have your home overvalued if your house is not appreciating as much as other homes close to yours. This means you're probably paying higher taxes than you should be paying. The earlier 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 Virtich Real Estate Appraisal is your perfect weapon when contesting your property tax assessment.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender may make the decision to automatically freeze your home equity line of credit (HELOC) if your home is near a declining area. This can be be harmful to your credit score since it may appear as though that credit line is maxed out, and also unsuitable from a cash flow angle. Virtich Real Estate Appraisal can provide you with a professional appraisal to help you reinstate your home equity line of credit.

Need Field and Desktop Appraisal Review Services?

Do you need a veteran appraiser to double-check your appraisal for preciseness, or do you need a second opinion without the charge and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comps. 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 report? We can help you with that While typically requested by banks, you may wish to utilize this service if you suspect mortgage fraud related to your home.