Need an appraisal in Eldora or Hardin County?
The top 7 reasons why IA homeowners call on T.H.E. Appraisers:
Own a house in or near Eldora, IA and need help determining the value of it?
We at T.H.E. Appraisers understand the unique needs of a homeowner 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.
Pre-listing Services/For Sale By Owner
Since you have an emotional attachment to your own house, it's often very hard to be objective about it. Professional appraisers, like the ones at T.H.E. Appraisers, will be objective. We will tell you what you need to know, not just what you want to hear. 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 an attainable buyer. It gives you something concrete to show your buyer. It's an independent third party's opinion of your home's value, and not just you saying how much you think your house is worth. Interested buyers know that you have an emotional attachment to your house and will be more likely to give credibility to an expert appraiser's value opinion than yours.
PMI Removal Appraisals
A fashionable way to save money 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". 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 a lender to have the PMI eliminated from your loan. We're qualified in helping consumers just like you dismiss unnecessary PMI insurance.
Challenge property tax assessments
If you live in a local area that is going down or is not appreciating as much as other homes nearby, your local tax assessor may have your house overvalued. That only means you're most likely paying more taxes than you should. The quicker 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 expert appraisal from T.H.E. Appraisers is your best weapon when challenging your property tax assessment.
Recently got a freeze your HELOC?
Your lender might make the decision to automatically freeze your home equity line of credit (HELOC) if your house is in a declining area -- even if your specific property has not declined in value. Not only can this be difficult from a cash flow viewpoint, but it can be 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 that will help you reinstate your HELOC.
We Also Offer Field and Desktop Appraisal Review Services
Do you need a seasoned expert to double-check your appraisal for precision, or do you need a second opinion without the cost and delay of waiting for a whole new appraisal? T.H.E. Appraisers offers field reviews where we'll go out and check the subject and comparables in question. 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 you with that. Even though this is typically requested by banks, you may want to make use of this service if you suspect mortgage fraud related to your home.