Real estate appraisal services for homeowners in the city of Sacramento and Sacramento County
The top reasons CA homeowners order from Stallings & Associates:
Need help deciding the price of your home in or near Sacramento, CA?
We at Stallings & Associates understand the individual needs of a consumer looking for appraisal services. Our typical business clients understand the appraisal process and the usual documents we provide. But as a general consumer,we will provide you with extra guidance and explanations through the appraisal process to more fully understand what we do and how we document our conclusions.
For Sale By Owner/Pre-Listing Services
It's very hard to be objective about your house because you probably have an emotional attachment to it. Our professional appraisers at Stallings & Associates are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. A professional appraisal is very valuable as a negotiating tool once you have a likely buyer, in addition to helping you set a realistic price to sell at so your home will attract buyers. It gives you something tangible to show the buyer. The appraisal is an independent third party's opinion of your home's value, not just you saying how much your house is worth. Interested buyers know you have an emotional attachment to your home and will be much more likely to give credibility to a qualified appraiser's value judgement than yours.
PMI Removal Appraisals
PMI stands for Private Mortgage Insurance. An attractive way to cut costs for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan amount is down below 80% of the value of your house. In most cases you can apply to the lender to have the PMI removed from your loan. At Stallings & Associates, we're experienced in helping customers just like you dismiss unwanted and unneeded PMI insurance.
Challenge a property tax assessment
Your local tax assessor may have your home overvalued if you live in a local area that's declining or is not appreciating as much as other properties nearby. That only means you're paying more taxes than you should. The sooner you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. When contesting your property tax assessment, getting an appraisal report from Stallings & Associates is your chief weapon.
HELOC recently frozen?
Even if your specific property has not declined in value, your lender just may choose to automatically freeze your home equity line of credit (HELOC) if your home is in or near a declining area. Not only can this be inconvenient from a cash flow point of view, but it can be harmful to your credit score since it may appear as though that credit line is maxed out. An efficient appraisal from Stallings & Associates can help you reinstate your HELOC.
We Also Offer Field and Desktop Appraisal Review Services
Would you prefer a second opinion without the charge and delay of waiting for a whole new appraisal? Or do you need a seasoned professional to double-check your appraisal for accuracy? We can go out and check the subject and comparables in question in a field review. If you need it immediately, 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.
Need a retrospective review of an appraisal? We can We can assist you While typically requested by banks, you may want to make use of this service if you suspect mortgage fraud related to your property.