Appraisal services for Sacramento and Sacramento County homeowners
See the top 7 reasons why California homeowners order from Ballew & Company:
At Ballew & Company, we understand the individual needs of a consumer in need of appraisal services. The appraisal process and reporting formats are familiar to our business clients like lenders, lawyers, and CPAs. Being a regular homeowner that ordinarily doesn't look at appraisals every day, we will give you extra guidance and explanations through the appraisal process to more clearly understand what we do and how we report the results of our analysis.
For Sale by Owner (FSBO)/Pre-Listing ServicesSince you have an emotional attachment to your own house, it's often very hard to be objective about it. The professional appraisers at Ballew & Company will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is very crucial as a negotiating tool once you have a potential buyer, in addition to helping you set a realistic selling price so your home will attract interested buyers. It gives you something concrete to show your buyer. It's an independent third party's opinion of your house's value, and not just how much your home is worth. Interested buyers know you have an emotional attachment to your house and will be more likely to give credibility to an expert appraiser's value assessment than yours.
Challenging property tax assessmentsYour local tax assessor may have your home overvalued if you live in an area that's declining or is not appreciating as much as other houses nearby. That only means you are most likely paying more taxes than you should. Since your property assessment may likely go up again in the next period, the quicker you take care of a matter like this, the better off you'll be. Getting an appraisal report from Ballew & Company is your #1 weapon when challenging your property tax assessment.
Appraisals to cancel PMIGetting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a popular way to save money for homeowners. Once your mortgage loan amount is below 80% of the value of your property, in most cases you can apply to the lender to have the PMI canceled from your loan, which will make your monthly payments go down. Ballew & Company is seasoned in helping folks just like you abolish undesirable PMI insurance.
Was your HELOC recently frozen?If your house is close to a declining area, your lender may just make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be bad for your credit score since it may appear as though that credit line is maxed out, and also difficult from a cash flow point of view. A professional appraisal from Ballew & Company can help you reinstate your HELOC.
We Also Offer Field and Desktop Appraisal Review ServicesDo you need a veteran appraiser to double-check your appraisal for efficiency, or do you want a second opinion without the charge and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comparables in question. If you're in a hurry, 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 a retrospective review of any appraisal you may have had in the past. Even though most review work is commissioned by lenders, homeowners that have reason to believe a prior appraisal wasn't above board are wise to get a second opinion.