Need an appraisal in Hermosa Beach or Los Angeles County?

Here are the top seven reasons why CA homeowners use SM RE Inc:

  1. Pre-listing appraisals (whether they're selling the home on their own or using a real estate agent)
  2. Challenge property tax assessments
  3. Remove PMI to reduce a mortgage payment
  4. Reinstate your Home Equity Line of Credit (HELOC)
  5. To review a different appraiser's report for verification
  6. If real estate property needs to be divided because of a divorce
  7. To settle an estate in CA by determining the true market value of property in question

Do you own a home in or near Hermosa Beach? Do you need help deciding the price of your real estate?
Contact SM RE Inc.

We at SM RE Inc understand the individual needs of a homeowner looking for appraisal services. The appraisal process and reporting formats are familiar to our business clients like banks, lawyers, and accountants. Being a person not in the real estate field that ordinarily doesn't look at appraisals every day,you can expect extra guidance and explanations through the appraisal process to more clearly understand what we do and how we present the results of our analysis.

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

Since you have an emotional attachment to your own home, it's often very hard to be objective about 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 very valuable as a negotiating tool once you have an attainable buyer, in addition to helping you set a realistic price to sell at so your home will attract interested buyers. The appraisal is something concrete to show the buyer. An appraisal is an independent third party's opinion of your property's price -- not just you saying how much you think your house is worth. Interested buyers assume that you have an emotional attachment to your house and will be far more likely to give credibility to an experienced appraiser's value estimation than yours.

Need to cancel PMI?

A preferred way to cut costs for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Your monthly payments will go down once your mortgage loan is less than 80% of the value of your house. In most cases you can apply to a lender to have the PMI eliminated from your loan. At SM RE Inc, we're veterans in helping clients just like you get rid of unwanted PMI insurance.

Challenging property tax assessments

Your local tax assessor may have your home overvalued if your house not appreciating as much as other homes close to yours. This means you are most likely paying higher taxes than you should be paying. 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. When contesting your property tax assessment, getting an appraisal from SM RE Inc is your chief weapon.

HELOC recently frozen?

Your lender may choose to automatically freeze your home equity line of credit (HELOC) if your house is close to a declining area -- even if your specific property has not declined in value. Not only can this be annoying from a cash flow angle, but it can be harmful to your credit score since it may appear as though that credit line is maxed out. SM RE Inc can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Do you need a seasoned appraiser to double-check your appraisal for preciseness, or do you need a second opinion without the added cost and delay of waiting for a whole new appraisal? SM RE Inc offers field reviews where we'll go out and check the subject and comparables. Or, if you need it ASAP, 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.

Do you need a retrospective review of an appraisal report? SM RE Inc can help with that too. Even though this is usually requested by banks, you may wish to exercise this service if you suspect mortgage fraud related to your home.