Attention homeowners: Real estate appraisal services for in Citrus Heights and Sacramento County
The top 7 reasons California homeowners need Appraisal Ace:
At Appraisal Ace, we understand the special needs of a homeowner seeking appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like banks, lawyers, and CPAs. But as a general consumer, you'll receive extra guidance and explanations through the appraisal process to more clearly understand what we do and how we report the results of our analysis.
For Sale by Owner/Pre-Listing ServicesSince you have an emotional attachment to your house, it's often very hard to be objective about it. The professional appraisers at Appraisal Ace 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 property will attract interested buyers, a professional appraisal is a very valuable negotiating tool once you have an interested buyer. It gives you something tangible to show the buyer. The appraisal is an independent third party's opinion of your house's value, not just 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 a professional appraiser's value opinion than yours.
Challenge a property tax assessmentLet's say you live in an area that's going down -- your local tax assessor may have your home overvalued. This 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. Getting an appraisal report from Appraisal Ace is your chief weapon when contesting your property tax assessment.
Appraisals to cancel PMIGetting the PMI (Private Mortgage Insurance) removed from your mortgage loan is an attractive way to save money for homeowners. Your monthly payments will go down once your mortgage loan is down below 80% of the value of your house. In most cases you can apply to the lender to have the PMI eliminated from your loan. Appraisal Ace is experienced in helping consumers just like you get rid of unneeded and unwanted PMI insurance.
HELOC recently frozen?Your lender might decide to automatically freeze your home equity line of credit (HELOC) if your property is close to a declining area -- even if your specific property has not declined in value. This can be annoying from a cash flow standpoint, and harmful to your credit score since it may appear as though that credit line is maxed out. A professional appraisal from Appraisal Ace can help you reinstate your HELOC.
We Provide Field and Desktop Appraisal Review ServicesWould you wish a second opinion without the expense and delay of waiting for a whole new appraisal? Or do you need a seasoned expert to double-check your appraisal for verity? An appraiser from Appraisal Ace can go out and check the subject and comparables in question in a field review. If you need it in a rush, we'll provide you with a desk review and verify as many facts as we can, using online data sources as well as our own files.
Do you need a retrospective review of an appraisal? We can assist you. While usually requested by banks, you may want to exercise this service if you suspect mortgage fraud related to your house.