Real estate appraisal services for homeowners in the city of San Marcos and San Diego County

The top seven reasons why CA homeowners call on Vanguard Valuations:

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

Do you own a house in or near San Marcos? Do you need help deciding the price of your real estate?
Contact Vanguard Valuations.

We at Vanguard Valuations understand the unique 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

It's very hard to be objective about your own home because you most likely have an emotional attachment to it. Professional appraisers, like the ones at Vanguard Valuations, are objective. We will tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic selling price so your home will attract interested buyers, a professional appraisal is very valuable as a negotiating tool once you have an attainable buyer. It's something tangible to show your buyer. An appraisal is an independent third party's opinion of your property's value -- not just you saying how much your house is worth. Interested buyers know that you have an emotional attachment to your house and will be far more likely to give credibility to an accomplished appraiser's value conclusion than yours.

Appraisals to cancel PMI

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a popular way to cut expenses for homeowners. Your monthly payments will go down 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 canceled from your loan. Vanguard Valuations is seasoned in helping people just like you delete undesirable PMI insurance.

Challenge a property tax assessment

Lets say you live in an area that's declining -- your local tax assessor may have your home overvalued. This only means you're most likely paying higher taxes than you should be paying. The earlier you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. When contesting your property tax assessment, getting an expert appraisal from Vanguard Valuations is your #1 weapon.

Recently got a freeze your HELOC?

Your lender just might decide to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area -- even if your specific property has not declined in value. This can be be damaging to your credit score since it may appear as though that credit line is maxed out, and also inopportune from a cash flow point of view. Vanguard Valuations can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Would you prefer a second opinion without the added expense and delay of waiting for a whole new appraisal? Or do you need a veteran appraiser to double-check your appraisal for accuracy? In a field review we will go out and check the subject and comparables in question. Or, if you need it in a rush, we can provide 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 report? We can We can assist you Even though this is typically requested by banks, you may want to employ this service if you suspect mortgage fraud related to your house.