Attention homeowners in Modesto and Stanislaus County: Need an appraisal?

Here are the top 7 reasons why CA homeowners use M. Pacheco Appraisal:

  1. Get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
  2. Challenge Stanislaus county's assessment of your propertyworth
  3. Remove PMI to reduce a mortgage payment
  4. Reinstate your Home Equity Line of Credit (HELOC)
  5. Verify a different appraiser's report
  6. In the case of a CA divorce, where real estate needs to be divided
  7. Determine the true market value of property in question to settle an estate in Stanislaus county or CA

Need help deciding the price of your home in or near Modesto, CA?
Contact M. Pacheco Appraisal.

At M. Pacheco Appraisal, we understand the special needs of a consumer looking for 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 home because of your emotional attachment to it. Professional appraisers, like the ones at M. Pacheco Appraisal, will be objective. We will tell you what you need to know, not just what you want to hear. A professional appraisal is a very important negotiating tool once you have a potential buyer, in addition to helping you set a realistic price to sell at so your property will attract interested buyers. It's something concrete to show the buyer. The appraisal is an independent third party's opinion of your house's price, not just how much your house is worth. Interested buyers assume that you have an emotional attachment to your home and will be much more likely to give credibility to an expert appraiser's value opinion than yours.

Need to cancel PMI?

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is an attractive way to cut costs for homeowners. Your monthly payments will go down once your mortgage loan amount is less than 80% of the value of your home. In most cases you can apply to your lender to have the PMI removed from your loan. We're seasoned in helping people just like you dismiss unwanted and unneeded PMI insurance.

Challenge property tax assessments

Lets say you live in a local area that is going down -- your local tax assessor may have your house overvalued. This means you're paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the earlier you take care of things like this, the better off you'll be. A professional appraisal from M. Pacheco Appraisal is your best weapon when contesting your property tax assessment.

Recently got a freeze your HELOC?

Even if your specific property has not declined in value, your lender might make the decision to automatically freeze your home equity line of credit (HELOC) if your property is in or near a declining area. This can this be unsuitable from a cash flow angle, and unfavorable to your credit score since it may appear as though that credit line is maxed out. M. Pacheco Appraisal can provide you with efficient appraisal that will help you reinstate your home equity line of credit.

Field and Desktop Appraisal Review Services

Would you like a second opinion without the expense and delay of waiting for a whole new appraisal? Or do you need a veteran appraiser to double-check your appraisal for precision? We can go out and check the subject and comparables in a field review. If you're in a rush, 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.

Do you need a retrospective review of an appraisal report? M. Pacheco Appraisal can help with that too. Even though this is typically requested by banks, you may want to use this service if you suspect mortgage fraud related to your house.