Attention homeowners in Costa Mesa and Orange County: Get an Appraisal today!

Here are the top reasons CA homeowners need James P Spas & Associates:

  1. Find the right listing price (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 lower your monthly mortgage payment
  4. To reinstate their Home Equity Line of Credit (or HELOC)
  5. Review a different appraiser's report for verification
  6. If real estate property needs to be divided because of a divorce
  7. To settle an estate in CA by determining the true market value of property in question

Need help determining the price of your home in or near Costa Mesa, CA?
Contact James P Spas & Associates.

We at James P Spas & Associates understand the individual needs of a customer looking for appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like banks, lawyers, and accountants. As our non-traditionalclient, we will provide you with 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)

It's very hard to be objective about your house because you probably have an emotional attachment to it. Our professional appraisers at James P Spas & Associates are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. A professional appraisal is very valuable as a negotiating tool once you have a likely buyer, in addition to helping you set a realistic price to sell at so your house will attract many interested buyers. It's something concrete to show the buyer. The appraisal is an independent third party's opinion of your house's value, not just how much you think your home is worth. Interested buyers know you have an emotional attachment to your house and will be far more likely to give credibility to an expert appraiser's value estimation than yours.

Appraisals to remove PMI

PMI stands for Private Mortgage Insurance. An attractive money saver for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan is below 80% of the value of your property. In most cases you can apply to your lender to have the PMI removed from your loan. At James P Spas & Associates, we're experienced in helping customers just like you do away with undesirable PMI insurance.

Challenge a property tax assessment

Your local tax assessor may have your house overvalued if you live in a local area that's going down. This only means you're probably paying higher taxes than you should be paying. The quicker you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. An expert appraisal from James P Spas & Associates is your #1 weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

If your house is near a declining area, your lender may choose 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 point of view, and negative on your credit score since it may appear as though that credit line is maxed out. James P Spas & Associates can provide you with efficient appraisal that will help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Would you prefer a second opinion without the expense and delay of waiting for a whole new appraisal? Or do you want an expert to double-check your appraisal for efficiency? An appraiser from James P Spas & Associates can go out and check the subject and comps in question in a field review. Or, if you need it in a rush, 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? James P Spas & Associates can help with that too. While typically requested by banks, you may wish to make use of this service if you suspect mortgage fraud related to your home.