Attention homeowners in Phoenix and Maricopa County: Need an appraisal?
The top seven reasons why Arizona homeowners call on Allstate Appraisal, Inc. :
Do you own a house in or near Phoenix? Do you need help determining the price of your real estate?
We at Allstate Appraisal, Inc. understand the unique needs of a homeowner after appraisal services. While our typical 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
Since you have an emotional attachment to your own house, it's often very hard to be objective about 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 property will attract buyers. It gives you something concrete to show the buyer. The appraisal is an independent third party's opinion of your home's value, not just how much you think your home is worth. Potential buyers know you have an emotional attachment to your house and will be much more likely to give credibility to a seasoned appraiser's value assessment than yours.
PMI Removal Appraisals
An attractive way to cut costs for homeowners is to get 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 the lender to have the PMI canceled from your loan. We are veterans in helping homeowners just like you remove unnecessary PMI insurance.
Challenge a property tax assessment
If you live in a region that is going down or not appreciating as much as other properties nearby, your local tax assessor may have your house overvalued. This only means you're probably paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the sooner you take care of things like this, the better. An appraisal from Allstate Appraisal, Inc. is your number one weapon when challenging your property tax assessment.
Recently got a freeze your HELOC?
If your property is in or near a declining area, your lender just may make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be annoying from a cash flow standpoint, but it can be unfavorable to your credit score since it may appear as though that credit line is maxed out. Allstate Appraisal, Inc. can help you reinstate your HELOC.
We Provide Field and Desktop Appraisal Review Services
Do you need a veteran appraiser to double-check your appraisal for efficiency, or do you need a second opinion without the cost and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comparables in question. If you need it immediately, 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? Allstate Appraisal, Inc. can help you with that. Even though this is typically requested by banks, you may want to take advantage of this service if you suspect mortgage fraud related to your home.