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

Here are the top seven reasons CA homeowners need Zaczek and Associates:

  1. Get a pre-listing appraisal (whether they're selling the home on their own or using a real estate agent)
  2. To challenge a CA property tax assessment
  3. Remove PMI to cut a monthly mortgage payment
  4. Reinstate their Home Equity Line of Credit (HELOC)
  5. Review a different appraiser's report for verification
  6. If real estate property needs to be divided because of a divorce
  7. Determine the true market value of real estate in question to settle an estate

Do you own a home in or near San Francisco? Do you need help determining the price of your real estate?
Contact Zaczek and Associates.

At Zaczek and Associates, we understand the unique needs of a customer in need of appraisal services. While our usual 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.

Pre-listing Services/For Sale By Owner

Since you have an emotional attachment to your own home, it's often very hard to be objective about it. A professional appraiser is objective and will 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 home will attract many interested buyers, a professional appraisal is very crucial as a negotiating tool once you have a potential buyer. The appraisal is something concrete to show your buyer. The appraisal is an independent third party's opinion of your property's value, not just how much your home is worth. Interested buyers assume that you have an emotional attachment to your home and will be far more likely to give credibility to a qualified appraiser's value assessment than yours.

Appraisals to remove PMI

A preferred way to cut costs for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan is below 80% of the value of your property, in most cases you can apply to a lender to have the PMI removed from your loan, which will make your monthly payments go down. We are veterans in helping consumers just like you do away with undesirable PMI insurance.

Challenging property tax assessments

Your local tax assessor may have your home overvalued if your house is not appreciating as much as other houses nearby. This only means you're probably paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the faster you take care of a matter like this, the better. An appraisal from Zaczek and Associates is your chief 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 may just decide to automatically freeze your home equity line of credit (HELOC) if your home is near a declining area. This can be be destructive to your credit score since it may appear as though that credit line is maxed out, and also difficult from a cash flow angle. Zaczek and Associates can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Do you need a veteran appraiser to double-check your appraisal for verity, or do you need a second opinion without the added expense and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comps. Or, if you're in a rush, we can 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? Zaczek and Associates can help you with that. Even though this is usually requested by banks, you may desire to exploit this service if you suspect mortgage fraud related to your property.