Attention homeowners in Eldora and Hardin County: Need an appraisal?
Check out the top reasons IA homeowners call on T.H.E. Appraisers:
Do you own a house in or near Eldora? Do you need help determining the value of your real estate?
At T.H.E. Appraisers, we understand the unique needs of a customer in need of appraisal services. Our regular business clients are used to the appraisal process and the standard documents we provide. As our client, we will provide you with extra guidance and explanations through the appraisal process to more fully understand what we do and how we report our conclusions.
Pre-listing Services/For Sale By Owner
Since you have an emotional attachment to your house, it's often very hard to be objective about it. Our professional appraisers at T.H.E. Appraisers are objective. We won't just tell you what you want to hear, we will tell you what you need to know. In addition to helping you set a realistic price to sell at so your house will attract interested buyers, a professional appraisal is very important as a negotiating tool once you have a potential buyer. It's something tangible to show the buyer. The appraisal is an independent third party's opinion of your property's value, not just how much your home is worth. Potential buyers know that you have an emotional attachment to your home and will be far more likely to give credibility to an accomplished appraiser's value report than yours.
Need to remove PMI?
A popular money saver 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". Your monthly payments will go down once your mortgage loan is less than 80% of the value of your property. In most cases you can apply to the lender to have the PMI removed from your loan. We're experienced in helping folks just like you remove unneeded and unwanted PMI insurance.
Challenge Tax Assessment
Your local tax assessor may have your house overvalued if your house is not appreciating as much as other houses close by. This only means you're paying 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 a matter like this, the better off you'll be. When challenging your property tax assessment, getting an appraisal report from T.H.E. Appraisers is your perfect weapon.
Was your HELOC recently frozen?
Your lender just may choose to automatically freeze your home equity line of credit (HELOC) if your house is close to a declining area -- even if your specific property has not declined in value. This can this be disadvantageous from a cash flow viewpoint, and destructive to your credit score since it may appear as though that credit line is maxed out. T.H.E. Appraisers can provide you with an expert appraisal to help you reinstate your home equity line of credit.
Field and Desktop Appraisal Review Services
Have you just been given a copy of your appraisal and you would prefer to have a seasoned appraiser double-check it for accuracy or do you need a second opinion without the cost 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 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 with that too. While usually requested by banks, you may wish to make use of this service if you suspect mortgage fraud related to your house.