Attention homeowners in Paradise and Butte County: Need an appraisal?

The top seven reasons why California homeowners order from Pacheco Appraisals:

To get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
Challenge a property tax assessment
To reduce their mortgage payments by removing PMI
Reinstate their Home Equity Line of Credit (or HELOC)
Review a different appraiser's report for verification
If property needs to be divided because of a divorce
To settle an estate in California by determining the true market value of the property in question


	Do you own a house in or near Paradise? Do you need help deciding the price of your real estate? Contact Pacheco Appraisals.

We at Pacheco Appraisals understand the special needs of a customer after appraisal services. While our typical business clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of customer service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.

For-Sale-by-Owner (FSBO) / Pre-Listing Services

It's very hard to be objective about your own home because of your emotional attachment to it. Professional appraisers, like the ones at Pacheco Appraisals, are objective. We'll tell you what you need to know, not just what you want to hear. A professional appraisal is very important 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's something tangible to show the buyer. An appraisal is an independent third party's opinion of your house's value -- not just how much your house is worth. Interested buyers assume that you have an emotional attachment to your house and will be far more likely to give credibility to a seasoned appraiser's value assessment than yours.

Challenging a property tax assessment

Your local tax assessor may have your house overvalued if you live in a local area that is declining or not appreciating as much as other homes close by. This means you are probably paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the sooner you take care of a matter like this, the better. Getting an appraisal from Pacheco Appraisals is your perfect weapon when contesting your property tax assessment.

Need to remove PMI?

PMI stands for Private Mortgage Insurance. A preferred money saver for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. 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 eliminated from your loan. Pacheco Appraisals is qualified in helping clients just like you get rid of unwanted PMI insurance.

Recently got a freeze to your HELOC?

Even if your specific property has not declined in value, your lender may choose to automatically freeze your home equity line of credit (HELOC) if your property is close to a declining area. This can be annoying from a cash flow angle, and detrimental to your credit score since it may appear as though that credit line is maxed out. An appraisal from Pacheco Appraisals can help you reinstate your HELOC.

Need Field and Desktop Appraisal Review Services?

Do you need a professional to double-check your appraisal for preciseness, or do you desire a second opinion without the cost 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 you with a 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 had in the past. While typically requested by banks, you may wish to make use of this service if you suspect mortgage fraud related to your property.