Need an appraisal in San Diego or San Diego County?

The top reasons CA homeowners use First Sum:

Find the right listing price (whether you're using a real estate agent or selling the home on your own)
To challenge a CA property tax assessment
To cut your mortgage payment by removing PMI
To reinstate their Home Equity Line of Credit (or HELOC)
To review another appraiser's report for verification
If real estate needs to be divided because of a divorce
Settle an estate in CA by determining the true market value of real estate in question

Own a home in or near San Diego, CA and need help deciding the value of it?
Contact First Sum.

We at First Sum understand the particular needs of a homeowner in need of appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like lenders, attorneys, and accountants. Being a homeowner that most likely doesn't see an appraisal every day,you can expect extra guidance and explanations through the appraisal process to understand what we do and how we present our conclusions.

For Sale By Owner/Pre-Listing Services

It's very hard to be objective about your home because of your 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. In addition to helping you set a realistic price to sell at so your house will attract interested buyers, a professional appraisal is a very important negotiating tool once you have an attainable buyer. It's something tangible to show your buyer. The appraisal is an independent third party's opinion of your house's value, not just you saying how much your house is worth. Potential buyers assume you have an emotional attachment to your house and will be much more likely to give credibility to a seasoned appraiser's value assessment than yours.

Need to remove PMI?

A popular way to cut costs for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan amount is below 80% of the value of your home, in most cases you can apply to your lender to have the PMI eliminated from your loan, which will make your monthly payments go down. First Sum is veterans in helping people just like you do away with unneeded and unwanted PMI insurance.

Challenging San Diego county's assessment of your property

Lets say you live in a local area that's going down -- your local tax assessor may have your house overvalued. That means you're probably paying more taxes than you should. Since your property assessment may likely go up again in the next period, the sooner you take care of things like this, the better. When contesting your property tax assessment, getting an appraisal from First Sum is your best weapon.

HELOC recently frozen?

Your lender just might make the decision to automatically freeze your home equity line of credit (HELOC) if your home is near a declining area -- even if your specific property has not declined in value. This can this be disadvantageous from a cash flow standpoint, and bad for your credit score since it may appear as though that credit line is maxed out. First Sum can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Do you need a professional to double-check your appraisal for preciseness, or do you need a second opinion without the cost and delay of waiting for a whole new appraisal? First Sum offers field reviews where we'll go out and check the subject and comparables in question. Or, if you need it in a rush, 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? We can We can assist you Even though this is typically requested by banks, you may want to take advantage of this service if you suspect mortgage fraud related to your home.