Real estate appraisal services for homeowners in the city of San Francisco and San Francisco County

The top 7 reasons CA homeowners hire Isabella Cortesi:

Get a pre-listing appraisal (whether they're selling the home themselves or using an agent)
Challenge property tax assessments
Remove PMI to cut a mortgage payments
Reinstate their Home Equity Line of Credit (HELOC)
Verify another appraiser's report
If real estate property needs to be divided because of a divorce
To determine the true market value of property in question to settle an estate in San Francisco county or CA

Own a home in or near San Francisco, CA and need help determining the value of it?
Contact Isabella Cortesi.

At Isabella Cortesi, we understand the unique needs of a customer after appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.

Pre-listing Services/For Sale By Owner

Since you have an emotional attachment to your own house, it's often very hard to be objective about it. The professional appraisers at Isabella Cortesi will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic selling price so your home will attract many interested buyers, a professional appraisal is a very valuable negotiating tool once you have an interested buyer. It gives you something concrete to show the buyer. The appraisal is an independent third party's opinion of your property's value, not just how much you think your house is worth. Potential buyers know you have an emotional attachment to your home and will be far more likely to give credibility to an accomplished appraiser's value opinion than yours.

PMI Removal Appraisals

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a preferred way to cut costs for homeowners. Once your mortgage loan amount is less than 80% of the value of your property, in most cases you can apply to the lender to have the PMI eliminated from your loan, which will make your monthly payments go down. We are experts in helping homeowners just like you rid yourselves of unneeded and unwanted PMI insurance.

Challenge Tax Assessment

Lets say your house is not appreciating as much as other houses nearby -- your local tax assessor may have your home overvalued. This only means you are probably paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the earlier you take care of a matter like this, the better off you'll be. An expert appraisal from Isabella Cortesi is your number one weapon when contesting your property tax assessment.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender might just make the decision to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area. Not only can this be disadvantageous from a cash flow angle, but it can be unfavorable to your credit score since it may appear as though that credit line is maxed out. Isabella Cortesi can provide you with an expert appraisal that will help you reinstate your HELOC.

We Also Provide Field and Desktop Appraisal Review Services

Would you wish a second opinion without the added cost and delay of waiting for a whole new appraisal? Or do you want a seasoned professional to double-check your appraisal for verity? Isabella Cortesi offers field reviews where we'll go out and check the subject and comparables. If you're in a rush, we'll provide you with a 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? Isabella Cortesi can help with that too. While typically requested by banks, you may need to take advantage of this service if you suspect mortgage fraud related to your home.