Attention homeowners: Real estate appraisal services for in Milwaukie and Clackamas County
The top reasons OR homeowners use Willamette Valley Appraisal Professionals:
Do you own a house in or near Milwaukie? Do you need help determining the price of your real estate?
We at Willamette Valley Appraisal Professionals understand the special needs of a customer 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 home because you probably have an emotional attachment to it. Our professional appraisers at Willamette Valley Appraisal Professionals are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. A professional appraisal is very important as a negotiating tool once you have a potential buyer, in addition to helping you set a realistic selling price so your property will attract many interested buyers. It's something concrete to show the buyer. It's an independent third party's opinion of your house's price, and not just how much your house is worth. Potential buyers assume you have an emotional attachment to your home and will be far more likely to give credibility to a professional appraiser's value conclusion than yours.
PMI Removal Appraisals
PMI stands for Private Mortgage Insurance. A preferred money saver 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 amount is less than 80% of the value of your home. In most cases you can apply to a lender to have the PMI canceled from your loan. We're experienced in helping homeowners just like you rid themselves of unnecessary PMI insurance.
Challenging property tax assessments
Lets say you live in a local area that's declining -- your local tax assessor may have your house overvalued. That only means you're going to pay more taxes than you should. The faster you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. When challenging your property tax assessment, getting a professional appraisal from Willamette Valley Appraisal Professionals is your best weapon.
HELOC recently frozen?
Your lender just may decide to automatically freeze your home equity line of credit (HELOC) if your home is in a declining area -- even if your specific property has not declined in value. This can this be difficult from a cash flow standpoint, and destructive to your credit score since it may appear as though that credit line is maxed out. Willamette Valley Appraisal Professionals can help you reinstate your HELOC.
Do You Need Field and Desktop Appraisal Review Services?
Have you just gotten a copy of your appraisal and you would wish to have a seasoned appraiser double-check it for efficiency or do you need a second opinion without the charge and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comps in question. If you're 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.
We can also provide you with a a retrospective review of any appraisal you may have had in the past. Even though this is usually requested by banks, you may want to employ this service if you suspect mortgage fraud related to your home.