Need an appraisal in NEWHALL or Los Angeles County?

Here are the top 7 reasons CA homeowners need J. P. Cubas Appraisal Services:

Get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
To challenge a CA property tax assessment
To lower a monthly mortgage payment by removing PMI
To reinstate your Home Equity Line of Credit (HELOC)
To review another appraiser's report for verification
If real estate needs to be divided because of a divorce
Determine the true market value of real estate in question to settle an estate

Need help deciding the price of your home in or near NEWHALL, CA?
Contact J. P. Cubas Appraisal Services.

At J. P. Cubas Appraisal Services, we understand the special needs of a homeowner after appraisal services. While our usual clients understand the appraisal process and standard reporting formats, you as a consumer will get extra customer 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 (FSBO)

Since you have an emotional attachment to your own home, it's often very hard to be objective about it. The professional appraisers at J. P. Cubas Appraisal Services will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is very crucial as a negotiating tool once you have a potential buyer, in addition to helping you set a realistic selling price so your house will attract interested buyers. It's something concrete to show the buyer. It's an independent third party's opinion of your property's price, and not just how much your house is worth. Potential buyers assume you have an emotional attachment to your home and will be much more likely to give credibility to an expert appraiser's value conclusion than yours.

Appraisals to cancel PMI

PMI stands for Private Mortgage Insurance. A preferred way to cut costs for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is down below 80% of the value of your house, in most cases you can apply to your lender to have the PMI removed from your loan, which will make your monthly payments go down. We are experts in helping folks just like you rid themselves of unneeded PMI insurance.

Challenge Tax Assessment

Lets say you live in a local area that is declining -- your local tax assessor may have your home overvalued. That means you're 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 off you'll be. A professional appraisal from J. P. Cubas Appraisal Services is your chief weapon when contesting your property tax assessment.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender may just choose to automatically freeze your home equity line of credit (HELOC) if your property is in or near a declining area. This can be be detrimental to your credit score since it may appear as though that credit line is maxed out, and also inopportune from a cash flow standpoint. A professional appraisal from J. P. Cubas Appraisal Services can help you reinstate your HELOC.

We Also Offer Field and Desktop Appraisal Review Services

Do you need a seasoned professional to double-check your appraisal for efficiency, or do you desire a second opinion without the charge and delay of waiting for a whole new appraisal? An appraiser from J. P. Cubas Appraisal Services can go out and check the subject and comparables in question in a field review. If you need it 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.

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