1) The state of your local market and sale times
2) Making sure the money you're putting into the home is a wise investment. In other words, if you're not going to see much of a difference in price on the back end, you may want to limit how much money you put into the home now.
Real estate markets can vary from neighborhood to neighborhood. But overall housing in Stockton is in demand.
Please see my Blog today about the market in more detail and let me know if you have any further questions about the your specific neighborhood or value of your home.
Remember, you can't ask for much higher than what your home will appraise for. Buyers are willing to make higher offers but appraisers can't give a home more value than similar homes that have sold recently.
What stage of the process are you in? Have you already secured the cash out refinance? Are you looking to sell now?