Attention homeowners: Real estate appraisal services for in Bend and Deschutes County
Here are the top 7 reasons Oregon homeowners call on Mid-Columbia Appraisal Service, Inc.:
At Mid-Columbia Appraisal Service, Inc., we understand the individual needs of a homeowner looking for appraisal services. Our typical business clients are used to the appraisal process and the standard documents we provide. But as a consumer, we'll be sure you get extra guidance and explanations through the appraisal process to more fully understand what we do and how we document the results of our analysis.
Pre-listing Services/For Sale by Owner (FSBO)It's very hard to be objective about your house 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 property will attract interested buyers, a professional appraisal is very valuable 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 house's value, and not just how much you think your home is worth. Interested buyers know you have an emotional attachment to your house and will be more likely to give credibility to an accomplished appraiser's value judgement than yours.
Challenging property tax assessmentsYour local tax assessor may have your home overvalued if you live in an area that's going down. This means you're probably paying 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. An expert appraisal from Mid-Columbia Appraisal Service, Inc. is your best weapon when challenging your property tax assessment.
PMI Removal AppraisalsA fashionable money saver for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Your monthly payments will go down once your mortgage loan amount is below 80% of the value of your property. In most cases you can apply to a lender to have the PMI eliminated from your loan. We are seasoned in helping clients just like you remove unneeded PMI insurance.
Recently got a freeze to your HELOC?Even if your specific property has not declined in value, your lender may choose to automatically freeze your home equity line of credit (HELOC) if your house is in or near a declining area. Not only can this be annoying from a cash flow viewpoint, but it can be destructive to your credit score since it may appear as though that credit line is maxed out. Mid-Columbia Appraisal Service, Inc. can help you reinstate your home equity line of credit with an expert appraisal.
Field and Desktop Appraisal Review ServicesWould you wish a second opinion without the charge and delay of waiting for a whole new appraisal? Or do you desire a professional to double-check your appraisal for precision? An appraiser from Mid-Columbia Appraisal Service, Inc. can go out and check the subject and comps in a field review. 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 a retrospective review of any appraisal you may have had done before. Although most appraisal reviews are commissioned by lenders for quality control, homeowners suspecting a prior appraisal wasn't above board are wise to invest in a second opinion.