Real estate appraisal services for homeowners in the city of Springfield and Greene County
Here are the top reasons Missouri homeowners call on Affordable Appraisals:
We at Affordable Appraisals understand the unique needs of a homeowner after appraisal services. Our business practices and reporting formats are relatively routine to our business clients like banks, attorneys, and CPAs. But as a general consumer, we'll be sure you get extra guidance and explanations through the appraisal process to understand what we do and how we present our conclusions.
For Sale by Owner (FSBO)/Pre-Listing ServicesSince you have an emotional attachment to your house, it's often very hard to be objective about it. The professional appraisers at Affordable Appraisals will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic selling price so your property will attract many interested buyers, a professional appraisal is very important as a negotiating tool once you have a likely buyer. It's something tangible to show your buyer. An appraisal is an independent third party's opinion of your property's value -- 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 a seasoned appraiser's value estimation than yours.
Challenge Tax AssessmentIf you live in an area that is declining or is not appreciating as much as other homes close by, your local tax assessor may have your house 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 sooner you take care of things like this, the better. When challenging your property tax assessment, getting an appraisal report from Affordable Appraisals is your strongest weapon.
PMI Removal AppraisalsA preferred way to cut costs for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan amount is below 80% of the value of your property, in most cases you can apply to the lender to have the PMI removed from your loan, which will make your monthly payments go down. Affordable Appraisals is experienced in helping customers just like you remove unnecessary PMI insurance.
Recently got a freeze to your HELOC?If your home is near a declining area, your lender may just choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be inopportune from a cash flow point of view, but it can be negative on your credit score since it may appear as though that credit line is maxed out. Affordable Appraisals can help you reinstate your HELOC.
Field and Desktop Appraisal Review ServicesHave you just been handed a copy of your appraisal and you would wish to have a seasoned appraiser double-check it for accuracy or do you desire a second opinion without the expense and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comps. Or, if you're in a hurry, we can 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? We can help with that too. While typically requested by banks, you may desire to exercise this service if you suspect mortgage fraud related to your house.