Appraisal services for Clovis and Fresno County homeowners

Here are the top seven reasons CA homeowners hire Central Valley Appraisal Services:

Get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
Challenge property tax assessments
To lower your monthly mortgage payment by removing PMI
To reinstate your Home Equity Line of Credit (or HELOC)
Verify another appraiser's report
If real estate needs to be divided because of a divorce
To settle an estate in CA by determining the true market value of property in question

Do you own a house in or near Clovis? Do you need help determining the value of your real estate?
Contact Central Valley Appraisal Services.

At Central Valley Appraisal Services, we understand the particular needs of a customer after appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra 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 house because you probably have an emotional attachment to it. Our professional appraisers at Central Valley Appraisal Services 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 house will attract interested buyers, a professional appraisal is very important as a negotiating tool once you have a potential buyer. It's something tangible to show your buyer. It's an independent third party's opinion of your property's price, and not just you saying how much you think your home is worth. Interested buyers assume you have an emotional attachment to your house and will be much more likely to give credibility to a professional appraiser's value estimation than yours.

Appraisals to cancel PMI

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is an attractive way to cut costs for homeowners. Once your mortgage loan is less than 80% of the value of your house, 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. We are experienced in helping clients just like you remove unneeded PMI insurance.

Challenge a property tax assessment

If you live in a region that is declining or not appreciating as much as other houses nearby, your local tax assessor may have your home overvalued. That means you're paying more taxes than you should. Since your property assessment may likely go up again in the next period, the sooner you take care of things like this, the better off you'll be. An appraisal report from Central Valley Appraisal Services is your #1 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 decide to automatically freeze your home equity line of credit (HELOC) if your house is in a declining area. This can this be inopportune from a cash flow angle, and negative on your credit score since it may appear as though that credit line is maxed out. Central Valley Appraisal Services can help you reinstate your home equity line of credit with an expert appraisal.

We Also Offer Field and Desktop Appraisal Review Services

Would you like a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you need a seasoned expert to double-check your appraisal for precision? An appraiser from Central Valley Appraisal Services can go out and check the subject and comparables in question in a field review. 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 report you may have had in the past. While usually requested by banks, you may want to exercise this service if you suspect mortgage fraud related to your house.