San Diego Appraiser, California   Phone: 619-342-1096 Fax: 619-618-4624

San Diego Appraisers is a family owned real estate appraisal service provider that specializes in residential properties located in the San Diego County area. Our San Diego Appraiser services include numerous sectors in the industry such as mortgage brokers, CPAs, lawyers, businesses and homeowners. We have a history of exceptionalism and experience.

We appraise single family homes, income properties, and land. However, our specialty is in non-mortgage residential real estate appraisals. Our services include: asset management, refinances, second mortgages, P.M.I. removal, employee relocation, estate settlement, divorce, foreclosure, bankruptcy and much more.

Also a trusted source for an FHA Approved San Diego Appraiser!

The services we offer are for: "San Diego Real Estate Appraisals, La Mesa, National City, Imperial Beach, Chula Vista, Bonita, Spring Valley, Jamul, El Cajon, Lakeside, Alpine, Santee, Poway, Rancho Sante Fe, Solana Beach, Escondido, Ramona, Encinitas, Carlsbad, Oceanside, Vista, etc."

We are first in our industry for a quality and accurate product.

To order a San Diego appraisal, just fax it in or order online. You can also send us an email under "contact us" on the left side of this website.

Checks payable to San Diego Appraisers and mailed to:

P.O. Box 16644
San Diego, CA 92176

Value Checks

Comp Checks are not something that we feel the need to make a part of our business. We take ethics very seriously. This may not make everyone happy, but we feel the need to still do the right thing.

Obviously, any San Diego Appraiser you talk to, will tell you appraisal work is not free and we are not commission based.

Secondly, Comp Checks are heavily abused. As an example; some loan officers will call a list of people to attain the highest comp check possible and order the San Diego Appraisal from the highest "comp checker" even though the loan officer knows that the home is not worth the higher amount. Simply put, this is considered mortgage fraud.

Thirdly: we have noticed that a majority of the mainstream loan officers will not order an appraisal from the Appraiser if the comp check does not come within a set amount of value. Ordering a comp check is another way for them to see if it will hit the value needed. According to Appraisal standards, Appraisers are restricted from performing valuation services with an agreement for a predetermined outcome. I.e..needed value. In most cases people know that if the comp check comes within the value range that is needed for the loan officer to close the loan, then an appraisal will be ordered. This adds pressure to the process from the very beginning, which is bad. Appraisers are required to be un-biased; it's our job. Lets say the comp check is not within a range, typically a loan officer will not assign the appraisal order to that company. As an example: what do you suppose it would mean if someone accepted an order because of a comp check that came within range of the desired value? Lets put it this way; most comp checks do come with an assumption (usually it's the broker that is assuming) that it will make value no matter what. This expectation is usually placed on the order sheet that was faxed in and by accepting an appraisal order as such is breaking appraisal standards and our company will not do so for any circumstances.

The fourth reason is that giving a value, even if it is just a range of values is considered an Appraisal. This of course means that the comp check would have to comply with appraisal standards. Complying with these standards require extra work that is not typically exercised by the typical Appraiser that performs these comp checks.

Concerns

Most home owners understandably have concerns about the value of their property and if there is going to be enough value in their home to refinance or to sell the property on the open market. These concerns can turn into anxiety about the San Diego Appraiser that is looking at the property; these types of concerns are sometimes expressed in terms of wondering if our employee that is appraising your home is qualified. This line of thinking may arise out of our staff enquiring about your property with questions such as: does your home have a septic tank, well or easments going through the parcel. These types of questinos are actually typical, because we are verificationalists by the very nature of our business and we often do not rely on impressions or information without first confirming that information. However, if the person is licensed by the state of California, it means that the person has proven to the state that they are competent in the skills required to accurately depict market conditions for the Real Estate. So keep in mind, a wanted value is not necessarily a market value. Remember, an Appraisal is an opinion expressed by the San Diego Appraiser that is skilled in determining market values day in and day out. We act as a un-interested individual to ensure a unbiased opinion of value, because often times people that are heavily involved in a transaction do not have the skillset or the objectivity to ensure an accurate value.

Market conditions have been slumping and this adds emotions and pressure towards the Appraiser. However, regardless of this, you can be assured that our San Diego Appraiser will be unbiased or we will not accept the assignment.

Ethics

Are you concerned if the contractor you hire is ethical? This is a very valid concern. The housing crisis started with the loan officer pressuring everyone involved in mortgage transactions to do whatever it took to close the deal. But, in a lot of ways it ended with the Real Estate Apppraiser. In order for all those home loans to close, there had to be an Appraiser to go along with values. You do not have to worry about that with San Diego Appraisers, because we would rather turn down work, than to constantly be under pressure from clients. This allows us to stand firmly behind our work and it adds enjoyment to our profession.

Additional Appraisal Research and Articles

The companies principal Real Estate Appraiser stays educated on current Appraisal news and strives to improve our profession. For additional recourses, feel free to email us at aaron @ thesandiegoappraiser.com or you can also check the additional recourses page (or below) and network with a larger appraisal audience:

For the leading source in Appraisal Education - visit the Appraisal Institute.

Check out our friends at http://stpeteappraiser.com/ http://www.sandiegoappraisers.net/

Ever Changing San Diego Appraisal Values

In this rapidly changing market, values are different from one day to the next. This is an important point to think on for someone within the real estate business that sells homes. Real Estate agents order Home Appraisals from San Diego Appraisers to help them price a home on the open market. This helps to not innacurately price a home, but we suggest more of a consultation approach to setting a listing price. When consulting, we are able to think outside of the one-number appraisal box and give a series of prices or percentages and suggestions pertaining to making sure that the home stays competitive in the open market.