Real estate appraisal services for homeowners in the city of Sacramento and Sacramento County

Check out the top 7 reasons CA homeowners use Goins Appraisal Service:

Find the right listing price (whether you're using an agent or selling the home on your own)
Challenge property tax assessments
Remove PMI to cut their monthly mortgage payment
Reinstate their Home Equity Line of Credit (or HELOC)
Review a different appraiser's report for verification
If real estate needs to be divided because of a divorce
Determine the true market value of real estate in question to settle an estate

Need help determining the value of your home in or near Sacramento, CA?
Contact Goins Appraisal Service.

We at Goins Appraisal Service understand the individual needs of a homeowner looking for appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.

Pre-listing Services/For Sale By Owner

It's very hard to be objective about your own house because you probably have an emotional attachment to it. Professional appraisers, like the ones at Goins Appraisal Service, will be 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 property will attract many interested buyers, a professional appraisal is very important as a negotiating tool once you have a likely buyer. It's 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. Interested buyers know you have an emotional attachment to your home and will be more likely to give credibility to an accomplished appraiser's value estimation than yours.

Need to remove PMI?

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a fashionable way to save money for homeowners. Once your mortgage loan is less than 80% of the value of your house, in most cases you can apply to the lender to have the PMI eliminated from your loan, which will make your monthly payments go down. At Goins Appraisal Service, we're experienced in helping consumers just like you dismiss unwanted and unneeded PMI insurance.

Challenging a property tax assessment

Your local tax assessor may have your home overvalued if you live in a local area that's going down. That means you are probably paying more taxes than you should. The sooner you take care of things like this, the better, since your property assessment may likely go up again in the next period. Getting an appraisal report from Goins Appraisal Service is your perfect weapon when contesting your property tax assessment.

HELOC recently frozen?

If your house is near a declining area, your lender might choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be detrimental to your credit score since it may appear as though that credit line is maxed out, and also unsuitable from a cash flow point of view. Goins Appraisal Service can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Have you just received a copy of your appraisal and you would prefer to have a seasoned appraiser double-check it for preciseness or do you want a second opinion without the cost and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comparables. 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 you with a a retrospective review of any appraisal report you may have had done before. While usually requested by banks, you may wish to exercise this service if you suspect mortgage fraud related to your home.