Attention homeowners: Real estate appraisal services for in Elk Grove and Sacramento County
Here are the top 7 reasons CA homeowners order from JTH Appraisals:
Do you own a house in or near Elk Grove? Do you need help determining the price of your real estate?
At JTH Appraisals, we understand the unique needs of a customer looking for appraisal services. While our typical business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra 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)
Since you have an emotional attachment to your own home, it's often very hard to be objective about it. The professional appraisers at JTH Appraisals 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 very important negotiating tool once you have an attainable buyer. It gives you something tangible to show the buyer. An appraisal is an independent third party's opinion of your house's price -- not just you saying how much you think your house is worth. Interested buyers know that you have an emotional attachment to your house and will be much more likely to give credibility to a qualified appraiser's value assessment than yours.
Appraisals to cancel PMI
Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a preferred way to cut costs for homeowners. Once your mortgage loan is less than 80% of the value of your house, in most cases you can apply to your lender to have the PMI canceled from your loan, which will make your monthly payments go down. We're qualified in helping customers just like you dismiss unneeded PMI insurance.
Challenge Sacramento county's assessment of your property
If you live in a local area that is going down or is not appreciating as much as other properties nearby, your local tax assessor may have your home overvalued. That only means you are going to pay more taxes than you should. The quicker you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. When challenging your property tax assessment, getting an expert appraisal from JTH Appraisals is your chief weapon.
Was your HELOC recently frozen?
Your lender might choose to automatically freeze your home equity line of credit (HELOC) if your home is in a declining area -- even if your specific property has not declined in value. This can this be annoying from a cash flow viewpoint, and negative on your credit score since it may appear as though that credit line is maxed out. JTH Appraisals can help you reinstate your home equity line of credit with an expert appraisal.
We Also Provide Field and Desktop Appraisal Review Services
Have you just been handed a copy of your appraisal and you would prefer to have an expert double-check it for precision or do you want a second opinion without the cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in question in a field review. Or, if you're in a hurry, we can provide you with a desk review and verify as many facts as we can using online data sources as well as our own files.
We can also provide you with a a retrospective review of any appraisal you may have in your possession. While usually requested by banks, you may wish to utilize this service if you suspect mortgage fraud related to your property.