Attention homeowners in South Lake Tahoe and El Dorado County: Get an Appraisal today!

Here are the top 7 reasons why CA homeowners need Schembri Appraisal Services:

To get a pre-listing appraisal (whether they're selling the home on their own or using a real estate agent)
Challenge a property tax assessment
To lower your monthly mortgage payment by removing PMI
Reinstate your Home Equity Line of Credit (or HELOC)
To review a different appraiser's report for verification
In the case of a CA divorce, when real estate property needs to be divided
To settle an estate in CA by determining the true market value of real estate in question

Do you own a home in or near South Lake Tahoe? Do you need help deciding the value of your real estate?
Contact Schembri Appraisal Services.

At Schembri Appraisal Services, we understand the unique needs of a consumer 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.

For Sale By Owner (FSBO)/Pre-Listing Services

It's very hard to be objective about your own home because you most likely have an emotional attachment to it. Our professional appraisers at Schembri Appraisal Services are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. A professional appraisal is a very important negotiating tool once you have a potential buyer, in addition to helping you set a realistic selling price so your home will attract buyers. It's something concrete to show your buyer. The appraisal is an independent third party's opinion of your home's value, not just you saying how much you think 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 a professional appraiser's value report than yours.

Need to remove PMI?

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a popular way to cut costs for homeowners. Once your mortgage loan amount is less than 80% of the value of your property, in most cases you can apply to your lender to have the PMI eliminated from your loan, which will make your monthly payments go down. We're experts in helping homeowners just like you rid themselves of unwanted PMI insurance.

Challenging property tax assessments

Lets say your home is not appreciating as much as other homes nearby -- your local tax assessor may have your home overvalued. This means you are going to pay higher taxes than you should be paying. The faster you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. An expert appraisal from Schembri Appraisal Services is your chief 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 just decide to automatically freeze your home equity line of credit (HELOC) if your property is in a declining area. This can be be detrimental to your credit score since it may appear as though that credit line is maxed out, and also inconvenient from a cash flow viewpoint. An appraisal from Schembri Appraisal Services 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 efficiency, or do you need a second opinion without the cost and delay of waiting for a whole new appraisal? Schembri Appraisal Services offers field reviews where we'll go out and check the subject and comparables in question. Or, if you need it immediately, we can 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 done before. Even though this is usually requested by banks, you may desire to exploit this service if you suspect mortgage fraud related to your house.