Attention homeowners: Real estate appraisal services for in Milwaukie and Clackamas County
Here are the top 7 reasons why OR homeowners need Willamette Valley Appraisal Professionals:
Do you own a home in or near Milwaukie? Do you need help deciding the value of your real estate?
At Willamette Valley Appraisal Professionals, we understand the particular needs of a homeowner in need of appraisal services. Our regular business clients get the appraisal process and the standard "products" we deliver to them. As our non-traditionalclient, you can expect extra guidance and explanations through the appraisal process to better understand what we do and how we present our findings.
For Sale By Owner (FSBO)/Pre-Listing Services
Since you have an emotional attachment to your own home, 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. In addition to helping you set a realistic selling price so your property will attract buyers, a professional appraisal is a very valuable negotiating tool once you have a potential buyer. 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. Interested buyers know that you have an emotional attachment to your home and will be more likely to give credibility to a qualified appraiser's value judgement than yours.
Appraisals to remove PMI
Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is an attractive way to save money for homeowners. Once your mortgage loan amount is 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. At Willamette Valley Appraisal Professionals, we're seasoned in helping homeowners just like you rid yourselves of unwanted and unneeded PMI insurance.
Challenge Tax Assessment
Lets say your home is not appreciating as much as other houses close by -- your local tax assessor may have your home overvalued. This means you are going to pay higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the faster you take care of a matter like this, the better off you'll be. An appraisal from Willamette Valley Appraisal Professionals is your best weapon when challenging your property tax assessment.
Was your HELOC recently frozen?
If your house is in a declining area, your lender may decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be harmful to your credit score since it may appear as though that credit line is maxed out, and also disadvantageous from a cash flow viewpoint. Willamette Valley Appraisal Professionals can provide you with an expert appraisal to help you reinstate your home equity line of credit.
Need Field and Desktop Appraisal Review Services?
Do you need a seasoned appraiser to double-check your appraisal for verity, or do you want a second opinion without the expense and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in question in a field review. Or, if you're in a hurry, 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? Willamette Valley Appraisal Professionals can help you with that. Even though this is typically requested by banks, you may wish to utilize this service if you suspect mortgage fraud related to your property.