Attention homeowners in San Diego and San Diego County: Need an appraisal?

The top seven reasons CA homeowners use Urbano Appraisal Services:

  1. Find the right listing price (whether they're selling the home on their own or using an agent)
  2. Challenge property tax assessments
  3. Remove PMI to cut their mortgage payments
  4. Reinstate their Home Equity Line of Credit (or HELOC)
  5. Review a different appraiser's report for verification
  6. If property needs to be divided because of a divorce
  7. Determine the true market value of property in question to settle an estate in CA

Need help deciding the price of your house in or near San Diego, CA?
Contact Urbano Appraisal Services.

We at Urbano Appraisal Services understand the unique needs of a customer seeking appraisal services. While our typical business clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of customer service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.

For Sale By Owner/Pre-Listing Services

It's very hard to be objective about your home because of your emotional attachment to it. Professional appraisers, like the ones at Urbano Appraisal Services, will be objective. We'll 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 a potential buyer, in addition to helping you set a realistic selling price so your property will attract many interested buyers. It's something concrete to show your buyer. The 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 know you have an emotional attachment to your home and will be far more likely to give credibility to a seasoned appraiser's value assessment than yours.

Appraisals to remove PMI

PMI stands for Private Mortgage Insurance. A preferred way to cut expenses 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 down below 80% of the value of your home. In most cases you can apply to a lender to have the PMI eliminated from your loan. We're veterans in helping consumers just like you get rid of unwanted and unneeded PMI insurance.

Challenging a property tax assessment

Lets say your home is not appreciating as much as other homes close by -- your local tax assessor may have your house overvalued. This only means you're paying higher taxes than you should be paying. The quicker you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. An expert appraisal from Urbano Appraisal Services is your chief weapon when contesting your property tax assessment.

Recently got a freeze your HELOC?

Even if your specific property has not declined in value, your lender just might make the decision to automatically freeze your home equity line of credit (HELOC) if your house is close to a declining area. This can be be detrimental to your credit score since it may appear as though that credit line is maxed out, and also unsuitable from a cash flow point of view. Urbano Appraisal Services can help you reinstate your HELOC.

We Offer Field and Desktop Appraisal Review Services

Have you just accepted a copy of your appraisal and you'd like to have an expert double-check it for efficiency or do you need a second opinion without the added cost and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comparables. If you need it immediately, we'll 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? Urbano Appraisal Services can We can assist you. While typically requested by banks, you may need to use this service if you suspect mortgage fraud related to your house.