Attention homeowners in Eldora and Hardin County: Get an Appraisal today!
Here are the top seven reasons why IA homeowners call on T.H.E. Appraisers:
Own a house in or near Eldora, IA and need help deciding the value of it?
At T.H.E. Appraisers, we understand the unique needs of a consumer after appraisal services. While our usual clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of customer service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.
For-Sale-By-Owner (FSBO) / Pre-Listing Services
It's very hard to be objective about your home because you probably have an emotional attachment to it. Professional appraisers, like the ones at T.H.E. Appraisers, will be objective. We will tell you what you need to know, not just what you want to hear. A professional appraisal is very valuable as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic price to sell at so your home will attract interested buyers. It's something concrete to show the buyer. The appraisal is an independent third party's opinion of your property's value, not just how much your house is worth. Interested buyers assume that you have an emotional attachment to your home and will be much more likely to give credibility to an accomplished appraiser's value assessment than yours.
Need to remove PMI?
A fashionable way to save money for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan amount is less than 80% of the value of your property, in most cases you can apply to your lender to have the PMI canceled from your loan, which will make your monthly payments go down. We are veterans in helping customers just like you abolish unneeded and unwanted PMI insurance.
Challenge a property tax assessment
Your local tax assessor may have your home overvalued if your home not appreciating as much as other homes nearby. That means you're most likely paying more taxes than you should. The earlier you take care of things like this, the better, since your property assessment may likely go up again in the next period. When contesting your property tax assessment, getting an expert appraisal from T.H.E. Appraisers is your number one weapon.
Recently got a freeze your HELOC?
Even if your specific property has not declined in value, your lender might just choose to automatically freeze your home equity line of credit (HELOC) if your property is near a declining area. Not only can this be inconvenient from a cash flow angle, but it can be negative on your credit score since it may appear as though that credit line is maxed out. T.H.E. Appraisers can help you reinstate your home equity line of credit with an expert appraisal.
We Also Provide Field and Desktop Appraisal Review Services
Do you need a seasoned professional to double-check your appraisal for precision, or do you desire a second opinion without the expense and delay of waiting for a whole new appraisal? An appraiser from T.H.E. Appraisers can go out and check the subject and comparables in a field review. Or, if you need it in a rush, we can 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. While typically requested by banks, you may wish to make use of this service if you suspect mortgage fraud related to your home.