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

The top seven reasons why CA homeowners call on Padua Group:

Get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
Challenge San Francisco county's assessment of your propertyworth
To reduce your monthly mortgage payment by removing PMI
Reinstate their Home Equity Line of Credit (HELOC)
Verify a different appraiser's report
If real estate property needs to be divided because of a divorce
Settle an estate in CA by determining the true market value of real estate in question

Need help determining the price of your home in or near San Francisco, CA?
Contact Padua Group.

At Padua Group, we understand the special needs of a homeowner seeking appraisal services. Our business practices and reporting formats are relatively routine to our business clients like banks, attorneys, and accountants. Being a homeowner that most likely doesn't look at appraisals on a regular basis,we will give you extra guidance and explanations through the appraisal process to better understand what we do and how we present the results of our analysis.

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

It's very hard to be objective about your own home because you most likely have an emotional attachment to it. The professional appraisers at Padua Group will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is a very valuable negotiating tool once you have a potential buyer, in addition to helping you set a realistic selling price so your house will attract interested buyers. It gives you something tangible to show your buyer. An appraisal is an independent third party's opinion of your house's value -- not just you saying how much your home is worth. Interested buyers assume 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

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a preferred way to cut costs for homeowners. Your monthly payments will go down once your mortgage loan is below 80% of the value of your property. In most cases you can apply to the lender to have the PMI removed from your loan. We are qualified in helping folks just like you get rid of unneeded PMI insurance.

Challenge Tax Assessment

Lets say you live in an area that is declining -- your local tax assessor may have your house overvalued. That means you're probably paying more taxes than you should. Since your property assessment may likely go up again in the next period, the quicker you take care of a matter like this, the better off you'll be. An expert appraisal from Padua Group is your number one weapon when challenging your property tax assessment.

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 home is near a declining area. This can be be negative on your credit score since it may appear as though that credit line is maxed out, and also inopportune from a cash flow angle. An expert appraisal from Padua Group can help you reinstate your HELOC.

We Also Provide Field and Desktop Appraisal Review Services

Have you just accepted a copy of your appraisal and you'd like to have an expert double-check it for accuracy or do you need a second opinion without the cost and delay of waiting for a whole new appraisal? An appraiser from Padua Group can go out and check the subject and comps in question in a field review. 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.

We can also provide a retrospective review of any appraisal report you may have in your possession. While typically requested by banks, you may wish to take advantage of this service if you suspect mortgage fraud related to your home.