Need an appraisal in Sacramento or Sacramento County?
The top seven reasons why California homeowners use Capital City Valuation:
We at Capital City Valuation understand the particular needs of a homeowner seeking appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like banks, attorneys, and CPAs. Being a person not in the real estate business that ordinarily doesn't look at appraisals every day, you can expect extra guidance and explanations through the appraisal process to understand what we do and how we document our conclusions.
For Sale by Owner (FSBO)/Pre-Listing ServicesIt's very hard to be objective about your home because you most likely have an emotional attachment to it. Professional appraisers, like the ones at Capital City Valuation, will be objective. We'll tell you what you need to know, not just what you want to hear. A professional appraisal is very valuable as a negotiating tool once you have an attainable buyer, in addition to helping you set a realistic price to sell at so your home will attract buyers. It's something tangible to show your buyer. The appraisal is an independent third party's opinion of your home's market value, not just how much you think your home is worth. Interested buyers assume that you have an emotional attachment to your home and will be much more likely to give credibility to an experienced appraiser's value conclusion than yours.
Challenge a property tax assessmentYour local tax assessor may have your home overvalued if you live in a region that's going down or is not appreciating as much as other homes nearby. This only means you're most likely paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the earlier you take care of things like this, the better. When challenging your property tax assessment, getting an appraisal report from Capital City Valuation is your best weapon.
Appraisals to cancel PMIAn attractive way to cut costs for homeowners is getting the PMI removed 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 less than 80% of the value of your property. In most cases you can apply to the lender to have the PMI canceled from your loan. We're veterans in helping customers just like you do away with unwanted and unneeded PMI insurance.
Recently got a freeze to your HELOC?If your home is in a declining area, your lender might just choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be unfavorable to your credit score since it may appear as though that credit line is maxed out, and also inconvenient from a cash flow angle. A professional appraisal from Capital City Valuation can help you reinstate your HELOC.
Need Field and Desktop Appraisal Review Services?Would you wish a second opinion without the added expense and delay of waiting for a whole new appraisal? Or do you desire a seasoned expert to double-check your appraisal for accuracy? In a field review we will go out and check the subject and comparables. Or, if you need it ASAP, we can 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 a retrospective review of any appraisal report you may have in your possession. Even though most appraisal reviews are requested by lenders, homeowners that have reason to believe a prior appraisal wasn't above board are wise to get a second opinion.