Attention homeowners in Eldora and Hardin County: Need an appraisal?
See the top reasons IA homeowners use T.H.E. Appraisers:
Do you own a home in or near Eldora? Do you need help deciding the price of your real estate?
We at T.H.E. Appraisers understand the particular needs of a customer in need of appraisal services. While our typical business 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/Pre-Listing Services
Since you have an emotional attachment to your own home, it's often very hard to be objective about it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic price to sell at so your property will attract buyers, a professional appraisal is very important as a negotiating tool once you have a potential buyer. The appraisal is something tangible to show the buyer. It's an independent third party's opinion of your house's price, and not just you saying how much you think your house is worth. Interested buyers know that you have an emotional attachment to your home and will be much more likely to give credibility to a professional appraiser's value opinion than yours.
Appraisals to remove PMI
PMI stands for Private Mortgage Insurance. A preferred way to cut expenses for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan is down below 80% of the value of your home. In most cases you can apply to the lender to have the PMI removed from your loan. At T.H.E. Appraisers, we're experts in helping customers just like you abolish unneeded and unwanted PMI insurance.
Challenging a property tax assessment
Lets say you live in a local area that's declining -- your local tax assessor may have your house overvalued. This means you're 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. An expert appraisal from T.H.E. Appraisers is your perfect weapon when challenging your property tax assessment.
Recently got a freeze your HELOC?
If your home is close to a declining area, your lender may choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can this be difficult from a cash flow standpoint, and unfavorable to 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 efficient appraisal.
We Also Provide Field and Desktop Appraisal Review Services
Have you just been given a copy of your appraisal and you would like to have a veteran appraiser double-check it for accuracy or do you desire a second opinion without the added cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in question in a field review. If you're 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.
Do you need a retrospective review of an appraisal? T.H.E. Appraisers can We can assist you. Even though this is typically requested by banks, you may want to take advantage of this service if you suspect mortgage fraud related to your house.