Appraisal services for Los Angeles and Los Angeles County homeowners

Check out the top seven reasons CA homeowners hire Jose Hernandez:

  1. Get a pre-listing appraisal (whether they're selling the home themselves or using a real estate agent)
  2. Challenge property tax assessments
  3. To lower your mortgage payments by removing PMI
  4. Reinstate their Home Equity Line of Credit (HELOC)
  5. Review a different appraiser's report for verification
  6. If real estate needs to be divided because of a divorce
  7. Settle an estate in CA by determining the true market value of property in question

Own a home in or near Los Angeles, CA and need help determining the value of it?
Contact Jose Hernandez.

We at Jose Hernandez understand the individual needs of a consumer in need of appraisal services. Our business practices and reporting formats are familiar to our business clients like lenders, attorneys, and accountants. But as a consumer,you will receive extra guidance and explanations through the appraisal process to more fully understand what we do and how we report the results of our analysis.

Pre-listing Services/For Sale By Owner

It's very hard to be objective about your home because you most likely have an emotional attachment to it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. A professional appraisal is a very important negotiating tool once you have an interested buyer, in addition to helping you set a realistic price to sell at so your house will attract interested buyers. It's something concrete to show your buyer. It's an independent third party's opinion of your property's price, and not just you saying how much your house is worth. Potential buyers know that you have an emotional attachment to your house and will be far more likely to give credibility to an experienced appraiser's value estimation than yours.

Appraisals to remove PMI

A fashionable money saver for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan is less than 80% of the value of your house, in most cases you can apply to a lender to have the PMI canceled from your loan, which will make your monthly payments go down. We are veterans in helping customers just like you rid yourselves of unwanted PMI insurance.

Challenge a property tax assessment

Your local tax assessor may have your home overvalued if you live in a region that is going down. That only means you are most likely paying more taxes than you should. 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 an appraisal from Jose Hernandez is your strongest weapon when challenging your property tax assessment.

Recently got a freeze your HELOC?

Even if your specific property has not declined in value, your lender may choose to automatically freeze your home equity line of credit (HELOC) if your home is in or near a declining area. Not only can this be inconvenient from a cash flow point of view, but it can be damaging to your credit score since it may appear as though that credit line is maxed out. Jose Hernandez can provide you with efficient appraisal to help you reinstate your home equity line of credit.

Field and Desktop Appraisal Review Services

Would you prefer a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you need a seasoned appraiser to double-check your appraisal for accuracy? An appraiser from Jose Hernandez can go out and check the subject and comps in a field review. Or, if you're in a rush, 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? We can help with that too. While usually requested by banks, you may desire to take advantage of this service if you suspect mortgage fraud related to your house.