Attention homeowners in Eldora and Hardin County: Need an appraisal?

The top seven reasons why IA homeowners order from T.H.E. Appraisers:

  1. Pre-listing appraisals (whether you're using a real estate agent or selling the home on your own)
  2. To challenge a IA property tax assessment
  3. To reduce their mortgage payment by removing PMI
  4. Reinstate your Home Equity Line of Credit (HELOC)
  5. Review a different appraiser's report for verification
  6. If property needs to be divided because of a divorce
  7. To determine the true market value of real estate in question to settle an estate in IA

Own a home in or near Eldora, IA and need help determining the price of it?
Contact T.H.E. Appraisers.

At T.H.E. Appraisers, we understand the individual needs of a consumer in need of appraisal services. While our typical 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 home, it's often very hard to be objective about 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 a crucial negotiating tool once you have a potential buyer, in addition to helping you set a realistic price to sell at so your home will attract many interested buyers. It's something tangible to show your buyer. It's an independent third party's opinion of your house's price, and not just how much your house is worth. Potential buyers know you have an emotional attachment to your house and will be more likely to give credibility to an experienced appraiser's value report than yours.

Need to cancel PMI?

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a preferred money saver for homeowners. Your monthly payments will go down once your mortgage loan amount is down below 80% of the value of your home. In most cases you can apply to your lender to have the PMI removed from your loan. T.H.E. Appraisers is experienced in helping people just like you do away with unneeded and unwanted PMI insurance.

Challenge property tax assessments

If you live in a local area that is going down or not appreciating as much as other properties close to yours, your local tax assessor may have your house overvalued. That means you are most likely paying more taxes than you should. The faster you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. Getting an appraisal from T.H.E. Appraisers is your strongest weapon when challenging your property tax assessment.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender just might decide to automatically freeze your home equity line of credit (HELOC) if your home is in a declining area. Not only can this be difficult from a cash flow point of view, but it can be detrimental to your credit score since it may appear as though that credit line is maxed out. An efficient appraisal from T.H.E. Appraisers can help you reinstate your HELOC.

We Offer Field and Desktop Appraisal Review Services

Have you just been handed a copy of your appraisal and you would like to have a veteran appraiser double-check it for efficiency or do you desire a second opinion without the charge 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 need it immediately, we'll provide you with a 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 report? T.H.E. Appraisers can help you with that. While usually requested by banks, you may wish to take advantage of this service if you suspect mortgage fraud related to your home.