Need an appraisal in Eldora or Hardin County?
The top 7 reasons why IA homeowners hire T.H.E. Appraisers:
Need help deciding the value of your house in or near Eldora, IA?
At T.H.E. Appraisers, we understand the special needs of a consumer looking for appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of customer service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.
For Sale By Owner/Pre-Listing Services
It's very hard to be objective about your house because you probably 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 crucial as a negotiating tool once you have a likely buyer, in addition to helping you set a realistic price to sell at so your home will attract interested buyers. It gives you something concrete to show your buyer. The appraisal is an independent third party's opinion of your house's price, not just you saying how much your home is worth. Interested buyers assume that you have an emotional attachment to your home and will be more likely to give credibility to an expert appraiser's value judgement than yours.
Need to cancel PMI?
Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a popular way to cut costs for homeowners. Once your mortgage loan amount is less than 80% of the value of your home, in most cases you can apply to a lender to have the PMI canceled from your loan, which will make your monthly payments go down. We are seasoned in helping people just like you do away with unwanted PMI insurance.
Challenge a property tax assessment
If you live in a region that is going down or not appreciating as much as other homes close to yours, your local tax assessor may have your house overvalued. This means you're going to pay higher taxes than you should be paying. The sooner you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. Getting an appraisal from T.H.E. Appraisers is your number one weapon when challenging your property tax assessment.
Recently got a freeze your HELOC?
Your lender may choose to automatically freeze your home equity line of credit (HELOC) if your property is near a declining area -- even if your specific property has not declined in value. This can this be difficult from a cash flow point of view, and detrimental to your credit score since it may appear as though that credit line is maxed out. An appraisal from T.H.E. Appraisers can help you reinstate your HELOC.
We Offer Field and Desktop Appraisal Review Services
Have you just accepted a copy of your appraisal and you'd wish to have a seasoned professional double-check it for preciseness or do you desire a second opinion without the added expense and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables in a field review. 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 with that too. While typically requested by banks, you may desire to exercise this service if you suspect mortgage fraud related to your home.