Appraisal services for Yuba City and Sutter County homeowners

The top 7 reasons CA homeowners need 1st Equity Appraisal:

Pre-listing appraisals (whether you're using an agent or selling the home on your own)
Challenge property tax assessments
To reduce your mortgage payment by removing PMI
Reinstate your Home Equity Line of Credit (or HELOC)
Verify a different appraiser's report
If real estate property needs to be divided because of a divorce
To determine the true market value of property in question to settle an estate in Sutter County or the state of CA

Do you own a home in or near Yuba City? Do you need help deciding the price of your real estate?
Contact 1st Equity Appraisal.

We at 1st Equity Appraisal understand the particular needs of a homeowner in need of appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like banks, lawyers, and accountants. Being a regular homeowner that most likely doesn't look at appraisals on a regular basis,you'll receive extra guidance and explanations through the appraisal process to more fully understand what we do and how we present our conclusions.

Pre-listing Services/For Sale By Owner

It's very hard to be objective about your own home because you most likely have an emotional attachment to it. Professional appraisers, like the ones at 1st Equity Appraisal, are objective. We'll 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 house will attract buyers, a professional appraisal is a crucial negotiating tool once you have an interested buyer. The appraisal is something concrete to show your buyer. The appraisal is an independent third party's opinion of your home's price, not just how much you think your home is worth. Potential buyers know you have an emotional attachment to your house and will be far more likely to give credibility to a professional appraiser's value conclusion than yours.

Need to remove PMI?

PMI stands for Private Mortgage Insurance. An attractive money saver for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount is less than 80% of the value of your home, in most cases you can apply to your lender to have the PMI removed from your loan, which will make your monthly payments go down. At 1st Equity Appraisal, we're seasoned in helping homeowners just like you dismiss unnecessary PMI insurance.

Challenge a property tax assessment

Your local tax assessor may have your house overvalued if your home not appreciating as much as other houses close by. That means you're probably paying more taxes than you should. The faster 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 expert appraisal from 1st Equity Appraisal is your chief weapon.

HELOC recently frozen?

If your property is in or near a declining area, your lender may just decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be inopportune from a cash flow angle, but it can be unfavorable to your credit score since it may appear as though that credit line is maxed out. 1st Equity Appraisal can help you reinstate your HELOC.

We Also Provide 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? We can go out and check the subject and comparables in question in a field review. If you need it immediately, we'll provide 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 report? We can We can assist you While typically requested by banks, you may wish to employ this service if you suspect mortgage fraud related to your house.