Attention homeowners in Eldora and Hardin County: Need an appraisal?
See the top seven reasons IA homeowners order from T.H.E. Appraisers:
Need help determining the value of your home in or near Eldora, IA?
We at T.H.E. Appraisers understand the special needs of a homeowner seeking appraisal services. While our typical clients understand the appraisal process and standard reporting formats, you as a consumer will get extra service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.
Pre-listing Services/For Sale By Owner (FSBO)
It's very hard to be objective about your home because you most likely have an emotional attachment to it. Professional appraisers, like the ones at T.H.E. Appraisers, are objective. We will tell you what you need to know, not just what you want to hear. A professional appraisal is very crucial as a negotiating tool once you have an attainable buyer, in addition to helping you set a realistic price to sell at so your house will attract interested buyers. The appraisal is something concrete to show your buyer. The appraisal is an independent third party's opinion of your house's price, not just you saying how much your house is worth. Potential buyers assume you have an emotional attachment to your home and will be more likely to give credibility to an accomplished appraiser's value conclusion than yours.
PMI Removal Appraisals
PMI stands for Private Mortgage Insurance. An attractive money saver for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is less than 80% of the value of your house, 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 qualified in helping customers just like you delete unnecessary PMI insurance.
Challenging a property tax assessment
Your local tax assessor may have your house overvalued if you live in an area that is going down or is not appreciating as much as other properties close to yours. This means you're paying higher taxes than you should be paying. The sooner 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. When challenging your property tax assessment, getting a professional appraisal from T.H.E. Appraisers is your number one weapon.
HELOC recently frozen?
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 house is in or near a declining area. Not only can this be disadvantageous from a cash flow angle, but it can be damaging 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 a professional appraisal.
Do You Need Field and Desktop Appraisal Review Services?
Would you prefer a second opinion without the expense and delay of waiting for a whole new appraisal? Or do you need an expert to double-check your appraisal for efficiency? T.H.E. Appraisers offers field reviews where we'll go out and check the subject and comps in question. If you're in a rush, 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.
Need a retrospective review of an appraisal report? We can help you with that While usually requested by banks, you may want to utilize this service if you suspect mortgage fraud related to your house.