Appraisal services for Saint Charles and Saint Charles County homeowners
The top reasons Missouri homeowners call on Serviced Appraisals:
At Serviced Appraisals, we understand the individual needs of a homeowner seeking appraisal services. While our typical business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra 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 (FSBO)/Pre-Listing ServicesIt's very hard to be objective about your home because of your emotional attachment to it. Professional appraisers, like the ones at Serviced Appraisals, will be objective. We will tell you what you need to know, not just what you want to hear. A professional appraisal is very crucial as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic price to sell at so your property will attract many interested buyers. It gives you something concrete to show the buyer. An appraisal is an independent third party's opinion of your house's value -- not just how much you think 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 a seasoned appraiser's value estimation than yours.
Challenge Tax AssessmentLet's say you live in an area that is going down -- your local tax assessor may have your home overvalued. This only means you're going to pay higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the quicker you take care of a matter like this, the better off you'll be. When challenging your property tax assessment, getting an expert appraisal from Serviced Appraisals is your number one weapon.
Appraisals to cancel PMIGetting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a popular way to cut expenses for homeowners. Your monthly payments will go down once your mortgage loan amount is down below 80% of the value of your house. In most cases you can apply to your lender to have the PMI eliminated from your loan. Serviced Appraisals is experienced in helping people just like you delete unwanted and unneeded PMI insurance.
Recently got a freeze to your HELOC?Even if your specific property has not declined in value, your lender just may make the decision to automatically freeze your home equity line of credit (HELOC) if your home is in a declining area. This can be bad for your credit score since it may appear as though that credit line is maxed out, and also difficult and inconvenient from a cash flow viewpoint. Serviced Appraisals can provide you with efficient appraisal that will help you reinstate your home equity line of credit.
Do You Need Field and Desktop Appraisal Review Services?Have you just accepted a copy of your appraisal and you'd prefer to have a seasoned appraiser double-check it for precision or do you desire a second opinion without the added expense and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comps. If you need it in a rush, we'll provide you with a 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? We can assist you. While usually requested by banks, you may need to exercise this service if you suspect mortgage fraud related to your house.