Real estate appraisal services for homeowners in the city of Redding and Shasta County

Here are the top seven reasons why CA homeowners call on John Pratt:

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 their mortgage payment by removing PMI
Reinstate their Home Equity Line of Credit (or HELOC)
Verify a different appraiser's report
In the case of a CA divorce, where property needs to be divided
To settle an estate in Shasta county or CA by determining the true market value of property in question

Own a house in or near Redding, CA and need help deciding the price of it?
Contact John Pratt.

We at John Pratt understand the special needs of a consumer looking for appraisal services. Our customary business clients are used to the appraisal process and the customary reporting formats. As our client, we will give you extra guidance and explanations through the appraisal process to more clearly understand what we do and how we document our conclusions.

Pre-listing Services/For Sale By Owner

It's very hard to be objective about your own house because you most likely have an emotional attachment to it. Professional appraisers, like the ones at John Pratt, are objective. We'll tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic price to sell at so your property will attract interested buyers, a professional appraisal is a crucial negotiating tool once you have an attainable buyer. 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 you think 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 conclusion than yours.

Need 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". 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 eliminated from your loan. We're qualified in helping people just like you abolish unwanted and unneeded PMI insurance.

Challenge property tax assessments

Lets say your house is not appreciating as much as other houses close to yours -- your local tax assessor may have your home overvalued. That 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 an expert appraisal from John Pratt is your chief weapon.

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 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 inconvenient from a cash flow angle. An expert appraisal from John Pratt can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Do you need a professional to double-check your appraisal for verity, or do you want a second opinion without the expense and delay of waiting for a whole new appraisal? An appraiser from John Pratt can go out and check the subject and comparables in question in a field review. If you're in a rush, we'll 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 you may have in your possession. Even though this is usually requested by banks, you may desire to use this service if you suspect mortgage fraud related to your home.