Need an appraisal in Eldora or Hardin County?
Check out the top 7 reasons IA homeowners use T.H.E. Appraisers:
Do you own a house in or near Eldora? Do you need help determining the price of your real estate?
We at T.H.E. Appraisers understand the unique 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 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. The professional appraisers at T.H.E. Appraisers will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is very valuable as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic selling price so your property will attract many interested buyers. It's something tangible to show your buyer. It's an independent third party's opinion of your property's value, and not just you saying how much you think your home is worth. Potential buyers assume you have an emotional attachment to your home and will be much more likely to give credibility to an experienced appraiser's value estimation than yours.
PMI Removal Appraisals
PMI stands for Private Mortgage Insurance. A preferred way to save money for homeowners is to get the PMI eliminated 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 property. In most cases you can apply to a lender to have the PMI canceled from your loan. T.H.E. Appraisers is veterans in helping homeowners just like you get rid of unnecessary PMI insurance.
Challenging property tax assessments
If you live in a region that is declining or not appreciating as much as other homes close to yours, your local tax assessor may have your house overvalued. That means you're probably paying more taxes than you should. Since your property assessment may likely go up again in the next period, the faster you take care of things like this, the better. Getting an expert appraisal from T.H.E. Appraisers is your best weapon when challenging your property tax assessment.
Recently got a freeze your HELOC?
If your house is in a declining area, your lender might just make the decision 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 inconvenient from a cash flow standpoint, but it can be harmful 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.
Need Field and Desktop Appraisal Review Services?
Have you just accepted a copy of your appraisal and you would like to have a seasoned appraiser double-check it for efficiency or do you want a second opinion without the added expense and delay of waiting for a whole new appraisal? T.H.E. Appraisers offers field reviews where we go out and check the subject and comparables in question. Or, if you're in a rush, we can provide 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? We can help you with that Even though this is usually requested by banks, you may desire to take advantage of this service if you suspect mortgage fraud related to your home.