Welcome to TERRA FIRMA APPRAISALS' website. We're a leading provider of real estate valuations for the mortgage lending marketplace. Jeffrey Smith- State Certified Appraiser.

With over 17 years of experience in the Sacramento region, we have a proven track record of reducing lender's time, efforts and costs in managing the appraisal process.

We're the leader in this area providing appraisals for:

  • Primary and Secondary Mortgages
  • Mortgage Refinancing
  • Private Mortgage Insurance Removal (PMI)
  • Estate Planning
  • Date of Death / Inheritance
  • Divorce Settlement
  • FHA
  • FHA Reverse Mortgage
  • Foreclosure / REO
  • Pre-Sale Valuation


    We keep our rates competitive with anybody in the industry and offer:

  • Short Turn-Around Times
  • Highest Quality Appraisal Reports
  • Competitive Pricing 

    Spend a little time to find out more about the appraisal business. The more you know, the better decisions you can make. 
  • We look forward to working with you!


  • Today's Rates:

    Mtg Loan    Rate  APR
    30-yr Fixed3.98%4.11%
    15-yr Fixed3.24%3.41%
    1-yr Adj2.74%3.4%
    * national averages





    1500 W EL CAMINO AVE PMB 607 SACRAMENTO, CA 95833-1945
    Phone:

    Contact Us | Appraisal Info | Client Login | Order an Appraisal | Inspection Tips | How to Prepare | Home Seller Services | Home Buyer Checklist | For Buyers | Myths | Estate | Divorce | Download Adobe Acrobat | Tell a Friend | FAQ | Real Estate Glossary | About PMI | For Homeowners | Why Get An Appraisal | Services | Home | Site Map | About AVM's | Faster Appraisals | Our Service Area | CREA Certification | Appraiser Ethics | Appraiser Jargon | Selling on your own | Pre-Listing Appraisals | Date of Death Valuations | Foreclosure/REO Appraisal | FHA / (Reverse Mtg.) Approved

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