Attention homeowners in Elk Grove and Sacramento County: Get an Appraisal today!

The top 7 reasons why CA homeowners hire JTH Appraisals:

To get a pre-listing appraisal (whether they're selling the home on their own or using an agent)
To challenge a CA property tax assessment
To reduce their monthly mortgage payment by removing PMI
Reinstate your Home Equity Line of Credit (HELOC)
To review another appraiser's report for verification
In the case of a CA divorce, when real estate needs to be divided
Determine the true market value of real estate in question to settle an estate in CA

Own a home in or near Elk Grove, CA and need help deciding the price of it?
Contact JTH Appraisals.

We at JTH Appraisals understand the special needs of a consumer in need of appraisal services. Our customary business clients understand the appraisal process and the usual reporting formats. But as a general consumer,we will give you extra guidance and explanations through the appraisal process to better understand what we do and how we report our findings.

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

Since you have an emotional attachment to your own home, it's often very hard to be objective about it. Professional appraisers, like the ones at JTH Appraisals, are objective. We will tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic selling price so your home will attract many interested buyers, a professional appraisal is a very valuable negotiating tool once you have an interested buyer. The appraisal is something tangible to show your buyer. The appraisal is an independent third party's opinion of your property's value, not just you saying how much your home is worth. Interested buyers assume that you have an emotional attachment to your house and will be far more likely to give credibility to an experienced appraiser's value estimation than yours.

PMI Removal Appraisals

A preferred way to save money for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Your monthly payments will go down once your mortgage loan is below 80% of the value of your house. In most cases you can apply to a lender to have the PMI canceled from your loan. JTH Appraisals is seasoned in helping customers just like you abolish unnecessary PMI insurance.

Challenging property tax assessments

Lets say you live in a local area that is going down -- your local tax assessor may have your house overvalued. That means you're going to pay more taxes than you should. Since your property assessment may likely go up again in the next period, the earlier you take care of things like this, the better off you'll be. Getting an appraisal report from JTH Appraisals is your best weapon when contesting your property tax assessment.

Recently got a freeze your HELOC?

Even if your specific property has not declined in value, your lender just might decide to automatically freeze your home equity line of credit (HELOC) if your property is in a declining area. This can be be harmful to your credit score since it may appear as though that credit line is maxed out, and also inopportune from a cash flow viewpoint. JTH Appraisals can help you reinstate your HELOC.

We Also Offer Field and Desktop Appraisal Review Services

Do you need a veteran appraiser to double-check your appraisal for precision, or do you desire a second opinion without the charge and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comparables in question. If you're in a hurry, we'll provide 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? JTH Appraisals can help with that too. Even though this is usually requested by banks, you may need to exploit this service if you suspect mortgage fraud related to your house.