On Time Appraisal is an independent residential real estate appraisal company appraising in San Diego county, with the appraiser specializing in North County (Encinitas, Carlsbad, Vista, Oceanside, San Marcos, Escondido, Bonsall, Fallbrook). With 10 years in the appraisal industry, our thorough appraisals are accepted by lenders across the country. I typically complete appraisals within 2 business days after the inspection of the property. I also make efforts to contact clients before we inspect properties if we anticipate problems.

I appraise single family residences (typical fees are $375-$450, but may vary), small income properties, and vacant parcels of land.  Appraisals for lending purposes: FHA or conventional financing for purchases, refinances, second mortgages, P.M.I. removal and bail bonds.  Appraisals for estate settlement, divorce, bankruptcy, pre-listing, and short sale. 

Call or email to discuss your real property appraisal needs with an appraiser.

In addition to full interior / exterior appraisals, we offer exterior only (drive-by) appraisals, and desktop appraisals (no inspection).  These appraisal services are reduced fees for the reduced scope of work with assumptions  that can satisfy a reasonable client need for the stated use of the appraisal.

We specialize in zipcodes and do appraisals in Carlsbad – 92008, 92009, 92010, 92011, 92013, 92018, Del Mar – 92014, Encinitas – 92023, 92024, Oceanside – 92049, 92051, 92052, 92054, 92056, 92057, Escondido – 92025, 92026, 92027, 92029, 92030, 92033, Fallbrook – 92028, San Marcos – 92069, 92078, 92079, Vista – 92081, 92083, 92084, and San Diego.  See about the appraiser for more city coverage.

What is a secured loan and who needs it?

Broadly speaking, secured loans are for the people that have been rejected by companies offering unsecured (regular) loans. There can be a multitude of reasons for that. Secured loans can aid you in building up a good credit score/history, in case you will need a loan somewhere down the line. The banks offer lower rates, which is a plus, there’s less risk involved because can simply take the collateral if something goes wrong.

Choosing secured loans, you can also enjoy the benefit of an interest rate that isn’t fixed. The exact sum you pay monthly may vary and that’s also a good thing.

Cons of Secured Loans

Let’s start with the obvious. You can end up losing your house or your vehicle or any asset you set up as collateral. Moreover, secured loans are usually “bigger”, so racking up too much debt can make it extremely difficult to meet all the monetary obligations.

In some cases, secured loans also may come with “hidden” fees, the ones the lender won’t talk too much about. For example, some loans have built-in arrangement fees and those are extremely expensive. Always make sure that you thoroughly go through all the documents provided by the lender. Make sure there’s no catch.

Finding the Best Deal

When it comes to secured loans, it is EXTREMELY important to find the lender that offers the best rate. There are some special offers for people with decent credit history, too. You have to do your own research by checking websites and documenting the information provided by the lenders. You must be mindful of the fact that terms and conditions may apply.


Secured loans are among the best ways of obtaining a considerable sum of money. The only other worthy option that people with not-so-great credit history have is no Teletrack payday loans. With those types of loans, the lender doesn’t conduct a credit history check. Bad credit/unpaid debt does not impact your creditworthiness. However, if you compare the two, you will find that the no Teletrack loans come with higher interest rates.

No matter what you will end up choosing, you need to make a detailed plan beforehand. Even before you take the loan, you need to figure out how you’ll be able to repay it. This is the best way to ensure you meet your financial obligations – budgeting and planning ahead. Always compare the options available to you to find the best possible deal. Always make sure to check the contract that you’re signing.