Attention homeowners in Sunset Beach and Orange County: Get an Appraisal today!

See the top seven reasons CA homeowners need Christopher Harr:

Find the right listing price (whether they're selling the home on their own or using a real estate agent)
Challenge a property tax assessment
To reduce a mortgage payment by removing PMI
To reinstate their Home Equity Line of Credit (or HELOC)
To review a different appraiser's report for verification
In the case of a CA divorce, where property needs to be divided
Determine the true market value of property in question to settle an estate in Orange county or CA

Need help determining the value of your house in or near Sunset Beach, CA?
Contact Christopher Harr.

At Christopher Harr, we understand the special needs of a consumer seeking appraisal services. Our typical business clients are used to the appraisal process and the usual reporting formats. Being a consumer that probably doesn't see an appraisal every day,we will provide you with extra guidance and explanations through the appraisal process to more clearly understand what we do and how we document our conclusions.

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

It's very hard to be objective about your house 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. In addition to helping you set a realistic price to sell at so your house will attract buyers, a professional appraisal is a very important negotiating tool once you have a potential buyer. It's something concrete to show your buyer. The appraisal is an independent third party's opinion of your house's value, not just you saying how much your home is worth. Potential buyers know you have an emotional attachment to your house and will be far more likely to give credibility to an expert appraiser's value report than yours.

Need to cancel PMI?

PMI stands for Private Mortgage Insurance. An attractive way to cut expenses for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. 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 a lender to have the PMI removed from your loan. At Christopher Harr, we're qualified in helping consumers just like you get rid of unneeded PMI insurance.

Challenge a property tax assessment

Lets say your home is not appreciating as much as other houses close by -- your local tax assessor may have your house overvalued. That only means you are paying more taxes than you should. The earlier you take care of things like this, the better, since your property assessment may likely go up again in the next period. An appraisal report from Christopher Harr is your #1 weapon when contesting your property tax assessment.

Was your HELOC recently frozen?

If your property is in or near a declining area, your lender just may choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be unsuitable from a cash flow viewpoint, but it can be destructive to your credit score since it may appear as though that credit line is maxed out. Christopher Harr can help you reinstate your HELOC.

We Also Provide Field and Desktop Appraisal Review Services

Have you just accepted a copy of your appraisal and you would like to have a professional double-check it for verity or do you desire a second opinion without the cost and delay of waiting for a whole new appraisal? An appraiser from Christopher Harr can go out and check the subject and comps in a field review. 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? We can help you with that Even though this is typically requested by banks, you may want to use this service if you suspect mortgage fraud related to your home.