Need an appraisal in Fallbrook or San Diego County?

Here are the top 7 reasons why CA homeowners call on Pine Pacific Appraisal:

  1. Find the right listing price (whether they're selling the home on their own or using a real estate agent)
  2. Challenge a property tax assessment
  3. Remove PMI to reduce your mortgage payments
  4. To reinstate their 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 property needs to be divided
  7. Determine the true market value of property in question to settle an estate in San Diego county or CA

Own a home in or near Fallbrook, CA and need help determining the price of it?
Contact Pine Pacific Appraisal.

We at Pine Pacific Appraisal understand the individual needs of a customer in need of appraisal services. Our business practices and reporting formats are relatively routine to our business clients like banks, attorneys, and accountants. As our valued client, you will receive extra guidance and explanations through the appraisal process to understand what we do and how we report our conclusions.

Pre-listing Services/For Sale By Owner

Since you have an emotional attachment to your house, it's often very hard to be objective about it. The professional appraisers at Pine Pacific Appraisal will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic selling price so your house will attract interested buyers, a professional appraisal is very crucial as a negotiating tool once you have a likely buyer. It gives you something concrete to show your buyer. An appraisal is an independent third party's opinion of your house's price -- not just you saying how much your house is worth. Interested buyers assume you have an emotional attachment to your house and will be more likely to give credibility to an expert appraiser's value judgement than yours.

Appraisals to remove PMI

PMI stands for Private Mortgage Insurance. A popular money saver for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount is down below 80% of the value of your property, in most cases you can apply to a lender to have the PMI removed from your loan, which will make your monthly payments go down. We are experienced in helping consumers just like you remove unneeded PMI insurance.

Challenge Tax Assessment

Your local tax assessor may have your house overvalued if your home not appreciating as much as other homes nearby. This means you're going to pay higher taxes than you should be paying. The earlier you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. Getting an appraisal from Pine Pacific Appraisal is your number one weapon when challenging your property tax assessment.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender might decide to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area. Not only can this be inopportune from a cash flow viewpoint, but it can be destructive to your credit score since it may appear as though that credit line is maxed out. An expert appraisal from Pine Pacific Appraisal can help you reinstate your HELOC.

We Provide Field and Desktop Appraisal Review Services

Would you wish a second opinion without the added cost and delay of waiting for a whole new appraisal? Or do you need a professional to double-check your appraisal for efficiency? Pine Pacific Appraisal offers field reviews where we'll go out and check the subject and comparables. Or, if you need it immediately, 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? Pine Pacific Appraisal can We can assist you. While usually requested by banks, you may wish to exercise this service if you suspect mortgage fraud related to your house.