Appraisal services for Ely and Saint Louis County homeowners
The top seven reasons why MN homeowners order from The Appraisal Office, LLC:
Do you own a home in or near Ely? Do you need help deciding the value of your real estate?
At The Appraisal Office, LLC, we understand the special needs of a homeowner after appraisal services. While our usual 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.
Pre-listing Services/For Sale By Owner (FSBO)
It's very hard to be objective about your own house because you probably have an emotional attachment to it. Our professional appraisers at The Appraisal Office, LLC are objective. We won't just tell you what you want to hear, we will tell you what you need to know. In addition to helping you set a realistic price to sell at so your property will attract interested buyers, a professional appraisal is a very valuable negotiating tool once you have an interested buyer. It's something concrete to show the buyer. An appraisal is an independent third party's opinion of your house's value -- not just you saying how much your home is worth. Interested buyers know that you have an emotional attachment to your house and will be more likely to give credibility to a qualified appraiser's value estimation than yours.
Appraisals to cancel PMI
PMI stands for Private Mortgage Insurance. A popular money saver for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is down below 80% of the value of your property, in most cases you can apply to your lender to have the PMI canceled from your loan, which will make your monthly payments go down. We are experts in helping homeowners just like you rid themselves of unneeded PMI insurance.
Challenge Saint Louis county's assessment of your property
Lets say your house is not appreciating as much as other houses close to yours -- your local tax assessor may have your house overvalued. This 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 a matter like this, the better. An appraisal report from The Appraisal Office, LLC is your chief weapon when contesting your property tax assessment.
HELOC recently frozen?
Your lender might just decide to automatically freeze your home equity line of credit (HELOC) if your property is close to a declining area -- even if your specific property has not declined in value. This can this be inconvenient from a cash flow standpoint, and negative on your credit score since it may appear as though that credit line is maxed out. The Appraisal Office, LLC can help you reinstate your home equity line of credit with a professional appraisal.
We Also Offer Field and Desktop Appraisal Review Services
Have you just been handed a copy of your appraisal and you'd prefer to have an expert double-check it for verity or do you need a second opinion without the charge and delay of waiting for a whole new appraisal? An appraiser from The Appraisal Office, LLC can go out and check the subject and comps in a field review. If you need it immediately, we'll provide desk review and verify as many facts as we can using online data sources as well as our own files.
We can also provide you with a a retrospective review of any appraisal you may have had in the past. While typically requested by banks, you may desire to exploit this service if you suspect mortgage fraud related to your home.