Attention homeowners in Mission Viejo and Orange County: Get an Appraisal today!

See the top 7 reasons why CA homeowners use Cheryl Johnston-Dwyer:

To get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
Challenge Orange county's assessment of your propertyvalue
To cut their monthly mortgage payment by removing PMI
To reinstate their Home Equity Line of Credit (HELOC)
Verify a different appraiser's report
If real estate property needs to be divided because of a divorce
To determine the true market value of real estate in question to settle an estate

Need help determining the value of your home in or near Mission Viejo, CA?
Contact Cheryl Johnston-Dwyer.

At Cheryl Johnston-Dwyer, we understand the unique needs of a consumer seeking appraisal services. While our typical 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

Since you have an emotional attachment to your own home, it's often very hard to be objective about it. The professional appraisers at Cheryl Johnston-Dwyer 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 price to sell at so your house will attract many interested buyers, a professional appraisal is very important as a negotiating tool once you have an interested buyer. It gives you something tangible to show your buyer. It's an independent third party's opinion of your property's value, and not just how much you think your home is worth. Interested buyers assume that you have an emotional attachment to your house and will be more likely to give credibility to an accomplished appraiser's value assessment than yours.

Appraisals to cancel PMI

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a popular money saver for homeowners. Once your mortgage loan amount is less than 80% of the value of your home, in most cases you can apply to the lender to have the PMI removed from your loan, which will make your monthly payments go down. At Cheryl Johnston-Dwyer, we're experienced in helping consumers just like you abolish unneeded and unwanted PMI insurance.

Challenging Orange county's assessment of your property

If you live in a local area that is going down or not appreciating as much as other homes close to yours, your local tax assessor may have your home overvalued. That only means you're most likely 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 a matter like this, the better. An appraisal report from Cheryl Johnston-Dwyer is your number one weapon when contesting your property tax assessment.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender just may choose to automatically freeze your home equity line of credit (HELOC) if your home is near a declining area. This can be be destructive to your credit score since it may appear as though that credit line is maxed out, and also inopportune from a cash flow viewpoint. Cheryl Johnston-Dwyer can help you reinstate your home equity line of credit with efficient appraisal.

Field and Desktop Appraisal Review Services

Would you like a second opinion without the charge and delay of waiting for a whole new appraisal? Or do you need an expert to double-check your appraisal for verity? Cheryl Johnston-Dwyer offers field reviews where we go out and check the subject and comparables. If you're in a hurry, 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.

Need a retrospective review of an appraisal? We can help with that too. While usually requested by banks, you may desire to employ this service if you suspect mortgage fraud related to your house.