Attention homeowners in Chico and Butte County: Get an Appraisal today!

Here are the top 7 reasons why California homeowners order from N. Compass Appraisals:

Get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
Challenge property tax assessments
To cut a mortgage payment by removing PMI
Reinstate your Home Equity Line of Credit (HELOC)
To review a different appraiser's report for verification
If property needs to be divided because of a divorce
To settle an estate in California by determining the true market value of the real estate in question


	Do you own a home in or near Chico? Do you need help deciding the value of your real estate? Contact N. Compass Appraisals.

At N. Compass Appraisals, we understand the unique needs of a customer in need of appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra 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 house because you most likely have an emotional attachment to it. Professional appraisers, like the ones at N. Compass Appraisals, will be objective. We will 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 many interested buyers, a professional appraisal is very crucial as a negotiating tool once you have an attainable buyer. The appraisal is something concrete to show the buyer. It's an independent third party's opinion of your house's value, and not just how much your house is worth. Interested buyers assume that you have an emotional attachment to your house and will be much more likely to give credibility to an accomplished appraiser's value conclusion than yours.

Challenge a property tax assessment

Your local tax assessor may have your home overvalued if you live in a local area that is declining. This only means you are most likely paying higher taxes than you should be paying. The sooner you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. An appraisal report from N. Compass Appraisals is your perfect weapon when contesting your property tax assessment.

Need to cancel PMI?

A preferred money saver for homeowners is to get 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 house. In most cases you can apply to the lender to have the PMI removed from your loan. At N. Compass Appraisals, we're seasoned in helping homeowners just like you remove unneeded PMI insurance.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender just might choose to automatically freeze your home equity line of credit (HELOC) if your property is in a declining area. Not only can this be difficult and inconvenient from a cash flow standpoint, but it can be harmful to your credit score since it may appear as though that credit line is maxed out. N. Compass Appraisals can provide you with efficient appraisal that will help you reinstate your home equity line of credit.

Do You Need Field and Desktop Appraisal Review Services?

Have you just been given a copy of your appraisal and you would like to have a seasoned professional double-check it for efficiency or do you want a second opinion without the cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables 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.

We can also provide a retrospective review of any appraisal report you may have had in the past. While typically requested by banks, you may need to use this service if you suspect mortgage fraud related to your house.