Attention homeowners in Elk Grove and Sacramento County: Need an appraisal?

The top seven reasons CA homeowners hire JTH Appraisals:

  1. Pre-listing appraisals (whether they're selling the home on their own or using a real estate agent)
  2. Challenge Sacramento county's assessment of your property
  3. To cut your mortgage payment by removing PMI
  4. To reinstate their Home Equity Line of Credit (HELOC)
  5. Review another appraiser's report for verification
  6. If real estate needs to be divided because of a divorce
  7. To determine the true market value of property in question to settle an estate

Need help deciding the price of your house in or near Elk Grove, CA?
Contact JTH Appraisals.

We at JTH Appraisals understand the individual needs of a customer seeking 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.

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

It's very hard to be objective about your home because of your emotional attachment to it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. A professional appraisal is very important as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic price to sell at so your home will attract buyers. The appraisal is something tangible to show the buyer. The appraisal is an independent third party's opinion of your property's price, not just how much you think your home is worth. Interested buyers assume you have an emotional attachment to your home and will be far more likely to give credibility to an accomplished appraiser's value opinion than yours.

Appraisals to cancel PMI

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a popular way to cut costs for homeowners. Once your mortgage loan is less than 80% of the value of your property, in most cases you can apply to a lender to have the PMI eliminated from your loan, which will make your monthly payments go down. At JTH Appraisals, we're veterans in helping consumers just like you remove undesirable PMI insurance.

Challenge Tax Assessment

Your local tax assessor may have your home overvalued if your house is not appreciating as much as other homes nearby. This only means you are paying higher taxes than you should be paying. The sooner 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 a professional appraisal from JTH Appraisals is your chief weapon.

Was your HELOC recently frozen?

Your lender just 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 this be inopportune from a cash flow standpoint, 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 HELOC.

We Offer Field and Desktop Appraisal Review Services

Have you just been given a copy of your appraisal and you'd prefer to have a professional double-check it for preciseness or do you need a second opinion without the cost and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comps. If you need it ASAP, we'll 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 you with a a retrospective review of any appraisal you may have had done before. While typically requested by banks, you may wish to use this service if you suspect mortgage fraud related to your home.