Appraisal services for Phoenix and Maricopa County homeowners
Here are the top reasons Arizona homeowners hire Allstate Appraisal, Inc. :
Do you own a home in or near Phoenix? Do you need help deciding the value of your real estate?
We at Allstate Appraisal, Inc. understand the special needs of a customer after appraisal services. Our business practices and reporting formats are relatively routine to our business clients like lenders, lawyers, and accountants. But as a general consumer,we'll be sure you get extra guidance and explanations through the appraisal process to understand what we do and how we document the results of our analysis.
For Sale By Owner (FSBO)/Pre-Listing Services
It's very hard to be objective about your house because you probably have an emotional attachment to it. A professional appraiser is objective and 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 attainable buyer, in addition to helping you set a realistic selling price so your house will attract buyers. It's something concrete to show the buyer. The appraisal is an independent third party's opinion of your home's value, not just you saying how much your house is worth. Interested buyers assume you have an emotional attachment to your home and will be far more likely to give credibility to an accomplished appraiser's value opinion than yours.
Appraisals to cancel PMI
Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a fashionable way to cut expenses for homeowners. Your monthly payments will go down once your mortgage loan amount is below 80% of the value of your house. In most cases you can apply to a lender to have the PMI removed from your loan. We're experts in helping people just like you dismiss unwanted and unneeded PMI insurance.
Challenge property tax assessments
If you live in an area that is declining or not appreciating as much as other houses close to yours, your local tax assessor may have your home overvalued. This only means you are going to pay higher taxes than you should be paying. The quicker you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. Getting a professional appraisal from Allstate Appraisal, Inc. is your number one weapon when contesting your property tax assessment.
HELOC recently frozen?
Your lender just might decide 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. Not only can this be inopportune from a cash flow point of view, but it can be detrimental to your credit score since it may appear as though that credit line is maxed out. Allstate Appraisal, Inc. can help you reinstate your home equity line of credit with efficient appraisal.
We Offer Field and Desktop Appraisal Review Services
Would you like a second opinion without the added expense and delay of waiting for a whole new appraisal? Or do you need a professional to double-check your appraisal for accuracy? In a field review we'll go out and check the subject and comparables. If you need it ASAP, we'll 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? Allstate Appraisal, Inc. can help you with that. Even though this is typically requested by banks, you may need to take advantage of this service if you suspect mortgage fraud related to your home.