Attention homeowners in Milwaukie and Clackamas County: Need an appraisal?
Here are the top 7 reasons OR homeowners order from Willamette Valley Appraisal Professionals:
Need help deciding the price of your house in or near Milwaukie, OR?
We at Willamette Valley Appraisal Professionals understand the special needs of a homeowner in need of appraisal services. Our usual business clients are used to the appraisal process and the usual "products" we deliver to them. Being a person not in the real estate industry that ordinarily doesn't see an appraisal on a regular basis,you can expect extra guidance and explanations through the appraisal process to more fully understand what we do and how we document the results of our analysis.
For Sale By Owner/Pre-Listing Services
Since you have an emotional attachment to your house, it's often very hard to be objective about it. Professional appraisers, like the ones at Willamette Valley Appraisal Professionals, are objective. We'll 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 many interested buyers, a professional appraisal is very valuable as a negotiating tool once you have a likely buyer. It's something tangible to show the buyer. It's an independent third party's opinion of your property's price, and not just you saying how much your house is worth. Interested buyers assume you have an emotional attachment to your house and will be more likely to give credibility to an experienced appraiser's value opinion than yours.
Need to cancel PMI?
PMI stands for Private Mortgage Insurance. A popular way to cut expenses for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan is below 80% of the value of your house. In most cases you can apply to the lender to have the PMI canceled from your loan. Willamette Valley Appraisal Professionals is veterans in helping people just like you delete unnecessary PMI insurance.
Challenge property tax assessments
Your local tax assessor may have your house overvalued if you live in an area that is declining or is not appreciating as much as other houses nearby. That means you are most likely paying more taxes than you should. Since your property assessment may likely go up again in the next period, the earlier you take care of a matter like this, the better. When contesting your property tax assessment, getting an appraisal from Willamette Valley Appraisal Professionals is your #1 weapon.
Was your HELOC recently frozen?
If your house is near a declining area, your lender may 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 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 angle. Willamette Valley Appraisal Professionals can provide you with a professional appraisal that will help you reinstate your home equity line of credit.
Do You Need Field and Desktop Appraisal Review Services?
Have you just been handed a copy of your appraisal and you'd like to have a professional double-check it for efficiency or do you desire a second opinion without the cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables in question in a field review. 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.
We can also provide a retrospective review of any appraisal you may have in your possession. Even though this is typically requested by banks, you may want to make use of this service if you suspect mortgage fraud related to your home.