Need an appraisal in Stockton or San Joaquin County?

The top seven reasons CA homeowners hire Covarrubias Appraisal Services:

  1. Get a pre-listing appraisal (whether they're selling the home themselves or using a real estate agent)
  2. Challenge a property tax assessment
  3. To lower your mortgage payments by removing PMI
  4. Reinstate their Home Equity Line of Credit (or HELOC)
  5. Verify another appraiser's report
  6. In the case of a CA divorce, when real estate property needs to be divided
  7. Determine the true market value of real estate in question to settle an estate in CA

Do you own a home in or near Stockton? Do you need help determining the price of your real estate?
Contact Covarrubias Appraisal Services.

We at Covarrubias Appraisal Services understand the individual needs of a customer looking for appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like banks, lawyers, and accountants. But as a general consumer,you'll receive extra guidance and explanations through the appraisal process to understand what we do and how we present our conclusions.

For Sale By Owner/Pre-Listing Services

It's very hard to be objective about your home because of your emotional attachment to it. The professional appraisers at Covarrubias Appraisal Services will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is very important as a negotiating tool once you have an attainable buyer, in addition to helping you set a realistic price to sell at so your house will attract buyers. It's something tangible to show your buyer. An appraisal is an independent third party's opinion of your house's price -- not just how much your house is worth. Interested buyers know that you have an emotional attachment to your home and will be much more likely to give credibility to a professional appraiser's value judgement than yours.

PMI Removal Appraisals

PMI stands for Private Mortgage Insurance. A popular way to save money for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan is below 80% of the value of your house. In most cases you can apply to the lender to have the PMI canceled from your loan. At Covarrubias Appraisal Services, we're experienced in helping customers just like you delete unwanted and unneeded PMI insurance.

Challenge property tax assessments

Your local tax assessor may have your home overvalued if your house not appreciating as much as other homes close to yours. That only means you're paying more taxes than you should. The quicker you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. When challenging your property tax assessment, getting a professional appraisal from Covarrubias Appraisal Services is your best weapon.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender might choose to automatically freeze your home equity line of credit (HELOC) if your house is in or 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 inopportune from a cash flow point of view. Covarrubias Appraisal Services can provide you with efficient appraisal that will help you reinstate your home equity line of credit.

We Offer Field and Desktop Appraisal Review Services

Do you need a seasoned appraiser to double-check your appraisal for preciseness, or do you desire a second opinion without the added cost 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 need it immediately, we can 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 typically requested by banks, you may wish to utilize this service if you suspect mortgage fraud related to your house.