Attention homeowners: Real estate appraisal services for in Irvine and Orange County

The top 7 reasons why CA homeowners order from Cognizant:

Pre-listing appraisals (whether you're using a real estate agent or selling the home on your own)
Challenge a property tax assessment
Remove PMI to lower your mortgage payments
To reinstate your Home Equity Line of Credit (or HELOC)
Verify another appraiser's report
In the case of a CA divorce, when real estate needs to be divided
To settle an estate in CA by determining the true market value of real estate in question

Do you own a home in or near Irvine? Do you need help determining the value of your real estate?
Contact Cognizant.

At Cognizant, we understand the special needs of a consumer after appraisal services. The appraisal process and reporting formats are familiar to our business clients like lenders, lawyers, and accountants. As our client, we'll be sure you get extra guidance and explanations through the appraisal process to understand what we do and how we report our conclusions.

For-Sale-By-Owner (FSBO) / Pre-Listing Services

Since you have an emotional attachment to your house, it's often very hard to be objective about it. Our professional appraisers at Cognizant 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 crucial as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic selling price so your home will attract buyers. The appraisal is something concrete to show your buyer. It's an independent third party's opinion of your property's price, and not just how much your home is worth. Interested buyers know that you have an emotional attachment to your home and will be more likely to give credibility to a qualified appraiser's value assessment than yours.

PMI Removal Appraisals

PMI stands for Private Mortgage Insurance. A popular way to save money 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 amount 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. We're seasoned in helping clients just like you dismiss unwanted PMI insurance.

Challenge property tax assessments

Lets say your home is not appreciating as much as other homes nearby -- your local tax assessor may have your home overvalued. This only means you're most likely paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the faster you take care of things like this, the better off you'll be. A professional appraisal from Cognizant is your number one 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 may decide to automatically freeze your home equity line of credit (HELOC) if your property is close to a declining area. This can this be inopportune from a cash flow standpoint, and bad for your credit score since it may appear as though that credit line is maxed out. An expert appraisal from Cognizant can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Have you just received a copy of your appraisal and you would like to have a seasoned expert double-check it for preciseness or do you need a second opinion without the cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in a field review. If you're in a rush, we'll provide 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? Cognizant can help with that too. While typically requested by banks, you may need to use this service if you suspect mortgage fraud related to your home.