Attention homeowners: Real estate appraisal services for in Eldora and Hardin County
The top seven reasons IA homeowners hire T.H.E. Appraisers:
Need help deciding the value of your home in or near Eldora, IA?
At T.H.E. Appraisers, we understand the unique needs of a consumer seeking appraisal services. The appraisal process and reporting formats are familiar to our business clients like lenders, lawyers, and CPAs. As our client, you will receive extra guidance and explanations through the appraisal process to understand what we do and how we present the results of our analysis.
Pre-listing Services/For Sale By Owner
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. In addition to helping you set a realistic selling price so your house will attract many interested buyers, a professional appraisal is a very valuable negotiating tool once you have a likely buyer. The appraisal is something tangible to show the buyer. An appraisal is an independent third party's opinion of your property's price -- not just how much you think your house is worth. Interested buyers know that you have an emotional attachment to your home and will be much more likely to give credibility to a qualified appraiser's value report than yours.
Need to remove PMI?
An attractive way to cut expenses for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan amount is less than 80% of the value of your house, 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. At T.H.E. Appraisers, we're seasoned in helping folks just like you remove unnecessary PMI insurance.
Challenging property tax assessments
Lets say your home is not appreciating as much as other properties nearby -- your local tax assessor may have your house overvalued. That only means you are going to pay more taxes than you should. The earlier you take care of things like this, the better, since your property assessment may likely go up again in the next period. When challenging your property tax assessment, getting an expert appraisal from T.H.E. Appraisers is your strongest weapon.
Recently got a freeze your HELOC?
If your property 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. This can this be unsuitable from a cash flow standpoint, and detrimental 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.
Field and Desktop Appraisal Review Services
Have you just gotten a copy of your appraisal and you'd prefer to have a seasoned appraiser double-check it for efficiency or do you desire a second opinion without the added cost 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 comps. Or, if you need it 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.
Do you need a retrospective review of an appraisal report? T.H.E. Appraisers can help with that too. While typically requested by banks, you may need to utilize this service if you suspect mortgage fraud related to your property.