Attention homeowners in Lompoc and Santa Barbara County: Need an appraisal?

The top seven reasons CA homeowners need Horizon Appraisal (805) 735-3889:

  1. Pre-listing appraisals (whether you're using a real estate agent or selling the home on your own)
  2. Challenge Santa Barbara county's assessment of your property
  3. Remove PMI to reduce their mortgage payment
  4. Reinstate their Home Equity Line of Credit (HELOC)
  5. Verify another appraiser's report
  6. If property needs to be divided because of a divorce
  7. To determine the true market value of real estate in question to settle an estate in Santa Barbara County or the state of CA

Need help deciding the price of your home in or near Lompoc, CA?
Contact Horizon Appraisal (805) 735-3889.

At Horizon Appraisal (805) 735-3889, we understand the unique needs of a homeowner after appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.

Pre-listing Services/For Sale By Owner

It's very hard to be objective about your own home because of your emotional attachment to it. Our professional appraisers at Horizon Appraisal (805) 735-3889 are objective. We won't just tell you what you want to hear, we will tell you what you need to know. In addition to helping you set a realistic price to sell at so your property will attract many interested buyers, a professional appraisal is a very valuable negotiating tool once you have a likely buyer. The appraisal is something tangible to show the buyer. An appraisal is an independent third party's opinion of your home's value -- not just how much your house is worth. Interested buyers know that you have an emotional attachment to your house and will be more likely to give credibility to a seasoned appraiser's value report than yours.

PMI Removal Appraisals

An attractive way to cut expenses for homeowners is to get the PMI canceled 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 home, 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're experienced in helping consumers just like you rid yourselves of unnecessary PMI insurance.

Challenge Santa Barbara county's assessment of your property

Your local tax assessor may have your home overvalued if you live in a region that is declining. This only means you are probably paying higher taxes than you should be paying. The earlier you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. A professional appraisal from Horizon Appraisal (805) 735-3889 is your best weapon when challenging your property tax assessment.

HELOC recently frozen?

Your lender might just choose to automatically freeze your home equity line of credit (HELOC) if your home is in a declining area -- even if your specific property has not declined in value. This can be be harmful to your credit score since it may appear as though that credit line is maxed out, and also difficult from a cash flow viewpoint. Horizon Appraisal (805) 735-3889 can provide you with an expert appraisal that will help you reinstate your home equity line of credit.

We Provide Field and Desktop Appraisal Review Services

Do you need a professional to double-check your appraisal for accuracy, or do you desire a second opinion without the added cost and delay of waiting for a whole new appraisal? Horizon Appraisal (805) 735-3889 offers field reviews where we 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.

Need a retrospective review of an appraisal report? We can help with that too. Even though this is typically requested by banks, you may desire to take advantage of this service if you suspect mortgage fraud related to your home.