Real estate appraisal services for homeowners in the city of El Monte and Los Angeles County

Check out the top seven reasons CA homeowners call on Nick Pappas:

  1. Get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
  2. To challenge a CA property tax assessment
  3. To lower their mortgage payments by removing PMI
  4. To reinstate your Home Equity Line of Credit (or HELOC)
  5. Verify another appraiser's report
  6. If property needs to be divided because of a divorce
  7. Determine the true market value of real estate in question to settle an estate

Do you own a house in or near El Monte? Do you need help determining the price of your real estate?
Contact Nick Pappas.

At Nick Pappas, we understand the particular needs of a consumer after appraisal services. While our usual 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.

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

It's very hard to be objective about your own home because you most likely have an 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. A professional appraisal is a very valuable negotiating tool once you have a likely buyer, in addition to helping you set a realistic price to sell at so your house will attract buyers. It gives you something tangible to show your buyer. It's an independent third party's opinion of your home's value, and not just how much your home is worth. Interested buyers assume that you have an emotional attachment to your home and will be far more likely to give credibility to a qualified appraiser's value opinion than yours.

Appraisals to remove PMI

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is an attractive way to cut expenses for homeowners. Your monthly payments will go down once your mortgage loan is down below 80% of the value of your property. In most cases you can apply to your lender to have the PMI removed from your loan. Nick Pappas is seasoned in helping people just like you dismiss unneeded PMI insurance.

Challenging property tax assessments

If you live in a region that is declining or not appreciating as much as other homes nearby, your local tax assessor may have your house overvalued. That only means you're probably paying more taxes than you should. Since your property assessment may likely go up again in the next period, the faster you take care of a matter like this, the better. When contesting your property tax assessment, getting an appraisal from Nick Pappas is your best weapon.

Recently got a freeze your HELOC?

If your home is in or near a declining area, your lender might choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be negative on your credit score since it may appear as though that credit line is maxed out, and also unsuitable from a cash flow angle. Nick Pappas can provide you with efficient appraisal that will help you reinstate your home equity line of credit.

Do You Need Field and Desktop Appraisal Review Services?

Do you need a seasoned appraiser to double-check your appraisal for preciseness, or do you want a second opinion without the added cost and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comps in question. If you need it ASAP, 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.

We can also provide a retrospective review of any appraisal report you may have had in the past. While usually requested by banks, you may desire to take advantage of this service if you suspect mortgage fraud related to your home.