Real estate appraisal services for homeowners in the city of Spokane and Spokane County
Here are the top seven reasons why Washington homeowners need Asset Appraisal Services:
We at Asset Appraisal Services understand the particular needs of a customer looking for appraisal services. Our usual business clients understand the appraisal process and the customary "products" we deliver to them. Being a homeowner that ordinarily doesn't see an appraisal on a regular basis, you'll receive extra guidance and explanations through the appraisal process to more clearly understand what we do and how we present the results of our analysis.
Pre-listing Services/For Sale by OwnerIt's very hard to be objective about your own home 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. In addition to helping you set a realistic selling price so your house will attract many interested buyers, a professional appraisal is very crucial as a negotiating tool once you have an attainable buyer. It's something tangible to show your buyer. It's an independent third party's opinion of your property's value, and not just how much you think your house is worth. Potential buyers know you have an emotional attachment to your home and will be more likely to give credibility to an accomplished appraiser's value judgement than yours.
Challenge a property tax assessmentYour local tax assessor may have your house overvalued if you live in an area that is going down. That only means you are paying more taxes than you should. Since your property assessment may likely go up again in the next period, the sooner you take care of things like this, the better. Getting a professional appraisal from Asset Appraisal Services is your #1 weapon when contesting your property tax assessment.
Need to cancel PMI?A preferred way to cut costs for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan amount is less than 80% of the value of your house, in most cases you can apply to a lender to have the PMI removed from your loan, which will make your monthly payments go down. We're veterans in helping people just like you abolish undesirable PMI insurance.
HELOC recently frozen?If your home is in or near a declining area, your lender might just make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be annoying from a cash flow angle, and detrimental to your credit score since it may appear as though that credit line is maxed out. Asset Appraisal Services can help you reinstate your home equity line of credit with efficient appraisal.
Do You Need Field and Desktop Appraisal Review Services?Would you wish 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 will go out and check the subject and comps. Or, if you need it ASAP, we can 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? We can help with that too. Even though most review work is requested by lenders for quality control, homeowners that have reason to believe a prior appraisal wasn't above board are prudent to invest in a second opinion.