Need an appraisal in Eldora or Hardin County?
Check out the top 7 reasons why IA homeowners order from T.H.E. Appraisers:
Own a house in or near Eldora, IA and need help determining the price of it?
At T.H.E. Appraisers, we understand the particular needs of a customer after appraisal services. Our business practices and reporting formats are familiar to our business clients like lenders, attorneys, and CPAs. Being a homeowner that most likely doesn't look at appraisals every day,we'll be sure you get extra guidance and explanations through the appraisal process to understand what we do and how we document our findings.
Pre-listing Services/For Sale By Owner
Since you have an emotional attachment to your 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. A professional appraisal is a very valuable negotiating tool once you have an attainable buyer, in addition to helping you set a realistic price to sell at so your property will attract buyers. The appraisal is something tangible to show the buyer. It's an independent third party's opinion of your house's value, and not just you saying how much you think your home is worth. Potential buyers know that you have an emotional attachment to your house and will be much more likely to give credibility to an expert appraiser's value estimation than yours.
Appraisals to remove PMI
Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a popular way to cut costs for homeowners. Once your mortgage loan amount is down below 80% of the value of your home, in most cases you can apply to a lender to have the PMI removed from your loan, which will make your monthly payments go down. T.H.E. Appraisers is veterans in helping clients just like you do away with unwanted PMI insurance.
Challenging a property tax assessment
Lets say you live in a region that's declining -- your local tax assessor may have your home overvalued. This means you are going to pay higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the earlier you take care of things like this, the better. Getting an appraisal report from T.H.E. Appraisers is your number one weapon when contesting your property tax assessment.
Recently got a freeze your HELOC?
Even if your specific property has not declined in value, your lender might just decide to automatically freeze your home equity line of credit (HELOC) if your property is near a declining area. This can this be difficult from a cash flow standpoint, and 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 HELOC.
We Provide Field and Desktop Appraisal Review Services
Would you prefer a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you need an expert to double-check your appraisal for accuracy? In a field review we'll go out and check the subject and comps. If you need it 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.
We can also provide you with a a retrospective review of any appraisal you may have had in the past. While typically requested by banks, you may want to exploit this service if you suspect mortgage fraud related to your property.