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APPRAISAL SERVICES
E X P E R T S

WELCOME TO

Sacramento Appraisal Group
20 years in the business

We are a full-service real estate appraisal firm serving Sacramento, Placer, El Dorado, San Joaquin, Stanislaus, and Yolo Counties. We provide real estate appraisals for:

  • bankruptcy
  • mortgage transactions
  • bail bonds
  • divorce
  • date of death
  • refinance
  • FHA
  • pre-listing
  • Estate Settlement

For a more detailed description of each service, please click the links or visit Services. Each of us has been proud to be a Sacramento Appraiser since 2003; working with many banks, direct lenders and private parties to provide real estate appraisals whenever they are needed. We provide friendly, conscientious service by certified appraisers.

If you are looking for a Placer County or Sacramento Appraiser, or are not sure what kind of appraisal you need, please give us a call at 916-792-7112 or email us at JeffHamric@gmail.com. If you choose to use email, please include your phone number. There are several questions that we need to ask. We give case-by-case quotes in order to best serve you and look forward to working with you personally.

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Expert Residential Appraisal Services

Today’s market can be challenging. Whether you’re a homeowner selling your property on your own or a seasoned realtor trying to establish a fair list price it’s often difficult to sift through all of the market data to determine a true value for your home. So, it’s common for homeowners and realtors to rely on appraisers for assistance when establishing a list price for the sale of their home.

A home appraisal is an unbiased estimate of the fair market value of what this real estate property costs. All lenders and banks always request to evaluate the house or apartment during the mortgage loan process so that there can be an objective, neutral and clear way of assessing the current price of the home in the market and ensure that the amount of money requested justify.

We have experience with all property types and situations. We excel at appraising both simple and complex properties. Our residential appraisal services have been trusted by banks, attorneys, owners, buyers, property managers, investors, tenants, developers, corporations, non-profits and more.

Integrity & Competence

Having integrity means that you live in accordance to your deepest values, you're honest with everyone, and you always keep your word. These are the values that you refuse to compromise on, no matter what. Next, analyze every choice you make to ensure that you're doing the right thing.

Competence means that you have the ability to do something well. You are capable of performing a task or job effectively. Competence can include the knowledge, skills and abilities required to successfully perform 'critical work functions' or tasks in a defined work setting.

Here at Sacramento Appraisal Group, we have these definitions as a core value to our company, our daily lives and the way we treat our clients. Character matters in this business and we take our responsibilities very seriously because we know the affect it can have in our clients’ lives. Count on us to have a professional, reliable and precise appraisal on your property because that’s the only way we know how.

Experience & Knowledge

A 'good appraiser' is not one who consistently comes in higher than the borrower's estimate of value and an appraisal is not 'bad' because it fails to 'hit the number. ' Jeff Hamric is an experienced, reliable and competent residential real estate appraiser.

A high-quality Appraiser will have a good aptitude with math, and technical aspects of property and real estate. Another important trait is not having preconceived notions during a home evaluation and an unbiased, third party, independent opinion of the value for a property.

Here at Sacramento Appraisal Group, we have over 20 years of experience in the business and our reputation is stellar. We have high standards of proficiency in what we do and our clients notice that posture from the beginning. Request a quote today and let us help you with a comprehensive and reliable appraisal for your property.

OUR SERVICES
bankruptcy
Bankruptcy Appraisals
When you file bankruptcy, you are required to show the value of your assets in court. A real estate appraisal by a professional appraiser is the only official means of showing the value of your home and property in court. A bankruptcy appraisal evaluates and establishes to a court whether a debtor is able to pay back debts or not. It is a detailed document required by the court in order to determine whether or not your bankruptcy filing is considered meritorious.
mortgage transactions
Mortgage Transactions
A mortgage transaction is a transfer of an interest in real estate as security for the repayment of a loan. A typical mortgage transaction involves a home purchaser borrowing money from a lender and entering into a written agreement with the lender, so that the real estate is collateral for the loan.
Divorce decree document and court gavel
Divorce
There are many things to be taken care of in the divorce process, and we strive to make sure that the appraisal process is one area that is as stress free as possible for you. An appraisal for any joint property held by you and your partner is usually necessary or highly recommended to determine the value of property to be divided. It is common for each partner to get their own appraisal in the interest of protecting their individual assets.
date of death appraisal
Date of Death Appraisals
The Date of Death Appraisal, also called a “date of death valuation,” is a real estate appraisal and a key component of the accounting of the worth of the estate required by the federal government. The Internal Revenue Service (IRS) lays out a list of requirements pertaining to deceased persons and their estates.
estate
Estate Settlement
When the estate settling process begins due to death of owner, many times an appraisal is needed to establish Fair Market Value for tax or inheritance purposes. We do this by producing excellent, irrefutable appraisals that will stand up for documentation with the IRS or state agencies by demonstrating exactly how we arrived at our value conclusion and including all evidence within the report.
PRICING
THESE ARE TYPICAL PRICES FOR HOME PROPERTY APPRAISAL. PRICES MAY VERY BASED ON OTHER FACTORS



Accounts

Free Trial

Projects

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Storage

SINGLE FAMILY RESIDENCE

$500 - $750

ONE TIME FEE

SFR

Comdominiuns

Acreage Rural

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FNMA form 1004 or General Purpose form. These are the most common home appraisal forms with an interior inspection used for lending (1004) or non lending (GP form).

MULTI-FAMILY / 2-4 UNITS

$600 - $900

ONE TIME FEE

SFR with accessory unit

Duplexes

Triplexes

Fourplexes

FNMA form 1025 or 1004 or General Purpose Form. Fees range based on number of units & complexity. Operating income statement and forms 216 included (if required)

EXTERIOR ONLY SFR

$400 - $500

ONE TIME FEE

FNMA form 2055

General pourpose form

-

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No Interior Inspection Made.

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  • Bail Bonds
  • Divorce
  • Date of Death Appraisals
  • Estate Settlement
  • Other
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FAQ
HERE YOU CAN FIND QUICK ANSWERS FOR MOST COMMON QUESTIONS

What is an appraisal?

An appraisal report is an investigation allowing the appraiser to come to an opinion of value. There are three "common approaches to value" which assists the appraiser conclude this opinion or estimate. One of the methods is the Cost Approach - which is how much capital would be required to replace the improvements, less physical deterioration and other factors, then adding the land value. The Sales Comparison Approach deals with searching for similar homes in the vicinity and figuring out the value based on comparing those properties to the home being investigated. Being the most common approach, the Sales Comparison Approach tends to be the most accurate and best indicator of market value for a property. The third approach is the Income Approach, which is the most important method in appraising income producing properties - it deals with estimating what an investor would pay based on the income produced by the property.

How long does it take to get my appraisal report back?

A good appraiser will have the report back to the client within 24 to 48 hours after the time of inspection. Occasionally it might take a little longer due to the limited amount of sales data such as when a property is in an area where few properties sell, or the property is unusual. Appraisers call this “turn time”.

What type of appraisals do you do?

We specialize in residential appraisals. These include: single family homes, condominiums, vacant land, duplexes, triplexes, fourplexes, lake front homes, ranches and large acreage homes of residential use only. We perform appraisals for Mortgage Lenders, Home Owners, CPAs, Financial Planners, Realtors and Attorneys.

Is my information kept confidential?

Yes. Please read our Privacy Policy for more details about how we use your information.

How do you determine the value of my home?

Each assignment is different. There are three approaches to value: The Sales Comparison Approach (aka Market Approach), The Income Approach and The Cost Approach. Of the three approaches, the most reliable and the most weighed upon is the Market Approach, this is the one where we as appraisers have to determine which homes are the most comparable to the subject for comparison purposes staying within appraisal guidelines. The Income and The Cost approaches are only used to give additional support to the conclusions and are normally secondary due to the reliability of data not always being conclusive.

What should I expect when you visit my home?

A professional attitude, a friendly smile and a lot of quiet. Remember, what you want is for the appraiser is to be able to focus at his/her work so they won’t miss all relevant items to your home’s value. If you have made recent improvements to your home, make sure to point those out and if you take the time to jot them down on a piece of paper, with dates and costs, this will definitely go a long way in helping the appraiser at arriving at the best conclusions.

How long is the appraisal inspection?

Depending on the size of the home and whether or not there are any interruptions, the typical time is anywhere from 30 to 60 minutes. The appraisal inspection includes: exterior photos of improvements (all 4 sides), photos of any additional amenities such as views, pools, outdoor living areas, spas, detached garage, outbuildings and so on, and lastly a walkthrough of all living areas and photos of all major rooms such as the kitchen, family room and all bathrooms.

What are the reasons someone would request your services?

There are many reasons to purchase an appraisal from SACRAMENTO APPRAISAL GROUP with the usual reason being real estate and mortgage transactions. Some other reasons for getting an appraisal include:

  • To get a loan.
  • If you would like to lower your property tax obligations.
  • To show a homeowner has 30% equity and remove insurance.
  • To challenge high property taxes.
  • If you need to settle an estate.
  • To give you a negotiating tool when purchasing real estate.
  • To figure out a reasonable sales price when putting your home on the market.
  • To defend your rights if your property is being taken by means of eminent domain in a condemnation case.
  • Because a government agency such as the IRS requires it.
  • It's possible you could have to deal with being in a lawsuit - an appraisal will definitely help.

How is an appraisal different than a home inspection?

The appraiser is not a home inspector nor does he/she do a comprehensive home inspection. A third-party home inspector will inspect the structure of the home, from the top to the foundation. Generally, a home inspection report will discuss the amenities and the requirements of the house: air conditioning (weather permitting), electrical systems, the condition of the heating system, the plumbing; then the structural capacity of the home such as the attic, visible insulation, walls, floors, ceilings, windows, then the foundation, basement and other visible structures.

Is an appraisal the same as a comparative market analysis(CMA)?

Simply, they have nothing in common. The CMA utilizes market trends to create most of their business. The appraisal is based on similar definite comparable sales. The appraisal report will also contain neighborhood and construction costs. A CMA delivers a "ball park figure." An appraisal delivers a defensible and carefully documented opinion of value.

The person creating the report is actually the most significant difference between a CMA and an appraisal. Real estate agents, who may not have a true grasp of valuation methods or the entire market, create CMA's. The appraisal is produce by a licensed, certified professional who makes a living out of valuing properties. Moreover, the appraiser is an independent voice, with no vested interest in the value of a home, unlike the agent, who gets a commission based upon the value of the home.

What are the contents of an appraisal report?

The main objective of an appraisal report is to give a value opinion, and depending on the scope of the report, one will customarily see the following:

  • Who engaged the appraiser and whose purposes the appraisal is to serve.
  • The intended use of the report.
  • The purpose of the appraisal.
  • Precisely what "value" attribute is being reported and what that value means.
  • The effective date of the appraisal.
  • Relevant property attributes, including: location, physical attributes, legal attributes, economic factors, the real property interest valued, and non-real estate items included in the valuation, such as personal property, permanent equipment installations and even intangible items.
  • All known easements, restrictions, encumbrances, leases, reservations, covenants, contracts, declarations, special assessments, ordinances, and the like.
  • Division of interest, such as fractional interest, physical segment and partial holding.
  • What was involved in the process of completing the appraisal.

What can a full appraisal do for me?

If you're making some sort of financial decision and the value of your home matters, you'll want a full appraisal. For those selling a home, you'll want to determine the price that gets you the most profit but also ensures you don't have to wait too long for a buyer to show up; an appraisal can help with that. If you're buying, it makes sure you don't overpay. If you're engaged in an estate settlement or divorce, it ensures that property is divided fairly. Simply put, a home is often the single, largest financial asset anybody owns. Without knowing its real value, wise financial decisions are impossible.

How do I get ready for the appraiser?

The first step in most appraisals is the home inspection. During this process, the appraiser will come to your home and measure it, determine the layout of the rooms inside, confirm all aspects of the home's general condition, and take several photos of your house for inclusion in the report. Inside, pick up any clutter and make sure we can find our way to things like furnaces and water heaters. In the yard, trim any bushes so we can be free to get an accurate measurement of exterior walls.

The following items, if available, will help your appraiser to provide a more accurate appraisal in a shorter period of time:

  • A survey or plot map of the property and building (if readily available).
  • Any paperwork, such as a title policy with information on encroachments or easements encroachments or easements.
  • Any "Homeowners Associations" agreements or, if applicable, condo agreements or fees .
  • A list of any major home improvements and enhancements, the amount of their purchase and date of their installation (for example, the addition of central air conditioning or roof repairs) and permit confirmation (if available).
  • Most recent real estate tax bill and or legal description of the property.

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