Attention homeowners in Carlsbad and San Diego County: Get an Appraisal today!

The top 7 reasons CA homeowners need Vito Mandato Appraiser:

Find the right listing price (whether they're selling the home on their own or using a real estate agent)
Challenge San Diego county's assessment of your propertyworth
To lower your mortgage payment by removing PMI
Reinstate their Home Equity Line of Credit (HELOC)
Review a different appraiser's report for verification
In the case of a CA divorce, when property needs to be divided
To settle an estate in CA by determining the true market value of property in question

Need help determining the value of your house in or near Carlsbad, CA?
Contact Vito Mandato Appraiser.

At Vito Mandato Appraiser, we understand the individual needs of a homeowner after appraisal services. While our typical clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of 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)

It's very hard to be objective about your house because you probably have an emotional attachment to it. The professional appraisers at Vito Mandato Appraiser will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic selling price so your house will attract many interested buyers, a professional appraisal is a crucial negotiating tool once you have a potential buyer. It's something tangible to show your buyer. The appraisal is an independent third party's opinion of your home's price, not just you saying how much you think your home is worth. Interested buyers know that you have an emotional attachment to your home and will be more likely to give credibility to an expert appraiser's value opinion than yours.

Need to cancel PMI?

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a fashionable money saver for homeowners. Once your mortgage loan amount is below 80% of the value of your home, in most cases you can apply to a lender to have the PMI canceled from your loan, which will make your monthly payments go down. We are experienced in helping customers just like you dismiss undesirable PMI insurance.

Challenge Tax Assessment

Lets say your house is not appreciating as much as other homes nearby -- 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 Vito Mandato Appraiser is your number one weapon when contesting your property tax assessment.

Recently got a freeze your HELOC?

If your house is near a declining area, your lender just may decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can this be annoying from a cash flow angle, and damaging to your credit score since it may appear as though that credit line is maxed out. Vito Mandato Appraiser can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Have you just received a copy of your appraisal and you would wish to have a seasoned professional double-check it for accuracy or do you need a second opinion without the charge and delay of waiting for a whole new appraisal? An appraiser from Vito Mandato Appraiser 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.

We can also provide a retrospective review of any appraisal you may have in your possession. While typically requested by banks, you may desire to make use of this service if you suspect mortgage fraud related to your home.