Need an appraisal in Chico or Butte County?

Here are the top reasons California homeowners use HAWS Appraisals:

  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. Remove PMI to cut a monthly mortgage payment
  4. Reinstate your Home Equity Line of Credit (or HELOC)
  5. Verify another appraiser's report
  6. In the case of a divorce in the state of California, when real estate needs to be divided
  7. Determine the true market value of the property in question to settle an estate
Need help deciding the price of your house in or near Chico, California? Contact HAWS Appraisals.

At HAWS Appraisals, we understand the particular needs of a consumer looking for appraisal services. The appraisal process and reporting formats are familiar to our business clients like banks, attorneys, and CPAs. Being a regular consumer that ordinarily doesn't see an appraisal every day, we will give you extra guidance and explanations through the appraisal process to more fully understand what we do and how we document the results of our analysis.

Pre-listing Services/For Sale by Owner

Since you have an emotional attachment to your home, it's often very hard to be objective about it. The professional appraisers at HAWS Appraisals 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 an attainable buyer, in addition to helping you set a realistic selling price so your home will attract interested buyers. It's something concrete to show the buyer. An appraisal is an independent third party's opinion of your property's value -- not just you saying how much your house is worth. Potential buyers assume that you have an emotional attachment to your house and will be more likely to give credibility to a qualified appraiser's value conclusion than yours.

Challenging property tax assessments

Let's say your house is not appreciating as much as other properties close by -- your local tax assessor may have your home overvalued. That only means you're most likely paying more taxes than you should. The quicker you take care of things like this, the better, since your property assessment may likely go up again in the next period. When challenging your property tax assessment, getting an appraisal from HAWS Appraisals is your best weapon.

Appraisals to cancel PMI

A fashionable money saver 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 a lender to have the PMI removed from your loan. We are seasoned in helping consumers just like you do away with unneeded PMI insurance.

Recently got a freeze to your HELOC?

Your lender might just choose to automatically freeze your home equity line of credit (HELOC) if your house is in or near a declining area -- even if your specific property has not declined in value. This can be harmful to your credit score since it may appear as though that credit line is maxed out, and also unsuitable from a cash flow angle. An expert appraisal from HAWS Appraisals can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Have you just accepted a copy of your appraisal and you would prefer to have an expert double-check it for preciseness or do you need a second opinion without the added cost and delay of waiting for a whole new appraisal? An appraiser from HAWS Appraisals can go out and check the subject and comparables in question in a field review. Or, if you need it ASAP, 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? We can help with that too. While typically requested by banks, you may want to exercise this service if you suspect mortgage fraud related to your home.