Real estate appraisal services for homeowners in the city of South Lake Tahoe and El Dorado County

Here are the top 7 reasons why CA homeowners hire TDF Appraisal:

Find the right listing price (whether they're selling the home on their own or using a real estate agent)
To challenge a CA property tax assessment
To cut their mortgage payment by removing PMI
To 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, where property needs to be divided
To settle an estate in El Dorado county or CA by determining the true market value of real estate in question

Need help determining the value of your house in or near South Lake Tahoe, CA?
Contact TDF Appraisal.

At TDF Appraisal, we understand the special needs of a homeowner looking for appraisal services. While our typical business 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

Since you have an emotional attachment to your home, it's often very hard to be objective about it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. 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 house will attract buyers. It gives you something tangible to show the buyer. An appraisal is an independent third party's opinion of your home's value -- not just you saying how much you think your home is worth. Potential buyers know you have an emotional attachment to your home and will be more likely to give credibility to a seasoned appraiser's value assessment than yours.

Need to remove PMI?

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a fashionable way to save money for homeowners. Your monthly payments will go down once your mortgage loan amount is below 80% of the value of your home. In most cases you can apply to the lender to have the PMI eliminated from your loan. We are veterans in helping clients just like you delete unwanted and unneeded PMI insurance.

Challenging El Dorado county's assessment of your property

If you live in a local area that is declining or not appreciating as much as other homes close to yours, your local tax assessor may have your home overvalued. That only means you're probably paying more taxes than you should. Since your property assessment may likely go up again in the next period, the sooner you take care of a matter like this, the better off you'll be. Getting an expert appraisal from TDF Appraisal is your best weapon when contesting your property tax assessment.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender may decide to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area. Not only can this be unsuitable from a cash flow standpoint, but it can be damaging to your credit score since it may appear as though that credit line is maxed out. TDF Appraisal can help you reinstate your home equity line of credit with an expert appraisal.

Field and Desktop Appraisal Review Services

Would you like a second opinion without the expense and delay of waiting for a whole new appraisal? Or do you want a seasoned professional to double-check your appraisal for accuracy? In a field review we will go out and check the subject and comparables in question. 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.

Do you need a retrospective review of an appraisal report? TDF Appraisal can help with that too. While usually requested by banks, you may need to use this service if you suspect mortgage fraud related to your house.