Attention homeowners in BELLEVILLE and Dane County: Get an Appraisal today!
Here are the top 7 reasons why Wisconsin homeowners use Smith Appraisal Services:
Own a home in or near BELLEVILLE, Wisconsin and need help determining the price of it?
We at Smith Appraisal Services understand the special needs of a homeowner in need of appraisal services. Our typical business clients understand the appraisal process and the standard documents we provide. But as a general consumer,we will give you extra guidance and explanations through the appraisal process to understand what we do and how we present the results of our analysis.
For Sale By Owner/Pre-Listing Services
It's very hard to be objective about your own house because you most likely have an emotional attachment to it. The professional appraisers at Smith Appraisal Services will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is very crucial as a negotiating tool once you have a likely buyer, in addition to helping you set a realistic selling price so your house will attract buyers. It gives you something concrete to show your buyer. It's an independent third party's opinion of your property's price, and not just you saying how much you think your house is worth. Interested buyers know you have an emotional attachment to your home and will be far more likely to give credibility to an expert appraiser's value assessment than yours.
Appraisals to cancel PMI
PMI stands for Private Mortgage Insurance. A fashionable 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 below 80% of the value of your home, in most cases you can apply to your lender to have the PMI removed from your loan, which will make your monthly payments go down. At Smith Appraisal Services, we're qualified in helping clients just like you abolish unneeded PMI insurance.
Challenge a property tax assessment
Your local tax assessor may have your home overvalued if your house is not appreciating as much as other homes close to yours. This means you are probably paying higher taxes than you should be paying. The quicker you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. An appraisal report from Smith Appraisal Services is your chief weapon when challenging your property tax assessment.
Was your HELOC recently frozen?
If your house is near a declining area, your lender might just 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 detrimental to your credit score since it may appear as though that credit line is maxed out, and also troublesome from a cash flow point of view. An appraisal from Smith Appraisal Services can help you reinstate your HELOC.
We Also Offer Field and Desktop Appraisal Review Services
Do you need a veteran appraiser to double-check your appraisal for accuracy, or do you desire a second opinion without the charge and delay of waiting for a whole new appraisal? Smith Appraisal Services offers field reviews where we'll 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? Smith Appraisal Services can We can assist you. Even though this is typically requested by banks, you may want to use this service if you suspect mortgage fraud related to your house.