Appraisal services for Paradise and Butte County homeowners

The top 7 reasons CA homeowners need Zimmerman & Associates:

Find the right listing price (whether they're selling the home on their own or using an agent)
Challenge a property tax assessment
To lower their mortgage payments by removing PMI
Reinstate your Home Equity Line of Credit (or HELOC)
Review another appraiser's report for verification
If real estate needs to be divided because of a divorce
To settle an estate in CA by determining the true market value of property in question

Own a home in or near Paradise, CA and need help deciding the price of it?
Contact Zimmerman & Associates.

At Zimmerman & Associates, we understand the individual needs of a customer in need of appraisal services. Our regular business clients get the appraisal process and the customary documents we provide. But as a consumer,we will provide you with extra guidance and explanations through the appraisal process to more clearly understand what we do and how we present our conclusions.

For Sale By Owner (FSBO)/Pre-Listing Services

It's very hard to be objective about your home because you most likely have an emotional attachment to it. The professional appraisers at Zimmerman & Associates 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 price to sell at so your home will attract buyers, a professional appraisal is very crucial as a negotiating tool once you have a potential buyer. It gives you something concrete to show the buyer. The appraisal is an independent third party's opinion of your home's value, not just how much you think your house is worth. Potential buyers know that you have an emotional attachment to your house and will be much more likely to give credibility to an accomplished appraiser's value assessment than yours.

Appraisals to remove PMI

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is an attractive way to cut costs for homeowners. Once your mortgage loan amount is down below 80% of the value of your home, in most cases you can apply to a lender to have the PMI removed from your loan, which will make your monthly payments go down. At Zimmerman & Associates, we're qualified in helping consumers just like you delete unwanted PMI insurance.

Challenge Tax Assessment

Your local tax assessor may have your home overvalued if you live in a region that's going down or is not appreciating as much as other homes nearby. 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 faster you take care of things like this, the better off you'll be. Getting an appraisal report from Zimmerman & Associates is your #1 weapon when contesting your property tax assessment.

Was your HELOC recently frozen?

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

We Offer Field and Desktop Appraisal Review Services

Have you just received a copy of your appraisal and you would wish to have a seasoned expert double-check it for precision or do you desire a second opinion without the added expense and delay of waiting for a whole new appraisal? Zimmerman & Associates offers field reviews where we go out and check the subject and comparables in question. If you need it 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.

Need a retrospective review of an appraisal report? We can help with that too. Even though this is usually requested by banks, you may desire to employ this service if you suspect mortgage fraud related to your property.