Need an appraisal in Los Molinos or Tehama County?

Here are the top 7 reasons CA homeowners call on North State Appraisals:

  1. Get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
  2. Challenge a property tax assessment
  3. Remove PMI to reduce your mortgage payments
  4. To reinstate their Home Equity Line of Credit (or HELOC)
  5. Verify another appraiser's report
  6. In the case of a CA divorce, where real estate property needs to be divided
  7. Settle an estate in CA by determining the true market value of real estate in question

Own a home in or near Los Molinos, CA and need help deciding the value of it?
Contact North State Appraisals.

At North State Appraisals, we understand the particular needs of a customer looking for appraisal services. The appraisal process and reporting formats are familiar to our business clients like banks, lawyers, and CPAs. Being a person not in the real estate industry that ordinarily doesn't look at appraisals every day,you can expect extra guidance and explanations through the appraisal process to better understand what we do and how we document our findings.

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

Since you have an emotional attachment to your house, it's often very hard to be objective about it. Our professional appraisers at North State Appraisals are objective. We won't just tell you what you want to hear, we will tell you what you need to know. In addition to helping you set a realistic selling price so your property will attract buyers, a professional appraisal is a very important negotiating tool once you have an interested buyer. It's something tangible to show your buyer. The appraisal is an independent third party's opinion of your house's price, not just you saying how much you think your house is worth. Interested buyers assume you have an emotional attachment to your house and will be much more likely to give credibility to an experienced appraiser's value conclusion than yours.

PMI Removal Appraisals

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a preferred way to cut costs for homeowners. Once your mortgage loan amount is below 80% of the value of your house, in most cases you can apply to a lender to have the PMI canceled from your loan, which will make your monthly payments go down. We are veterans in helping folks just like you do away with undesirable PMI insurance.

Challenging Tehama county's assessment of your property

Your local tax assessor may have your house overvalued if you live in a local area that's declining or is not appreciating as much as other homes nearby. That only means you are most likely paying more taxes than you should. The quicker you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. Getting a professional appraisal from North State Appraisals is your best weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender might just make the decision to automatically freeze your home equity line of credit (HELOC) if your property is in a declining area. This can be be detrimental to your credit score since it may appear as though that credit line is maxed out, and also annoying from a cash flow point of view. North State Appraisals can provide you with efficient appraisal that will help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Do you need a seasoned professional to double-check your appraisal for efficiency, or do you want a second opinion without the added cost and delay of waiting for a whole new appraisal? An appraiser from North State Appraisals can go out and check the subject and comps in question in a field review. 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.

Do you need a retrospective review of an appraisal report? North State Appraisals can help with that too. While typically requested by banks, you may desire to make use of this service if you suspect mortgage fraud related to your house.