Attention homeowners in Salem and Marion County: Need an appraisal?
Here are the top 7 reasons why Oregon homeowners call on Associated Independent Appraisers:
At Associated Independent Appraisers, we understand the particular needs of a consumer after appraisal services. Our customary business clients get the appraisal process and the customary reporting formats. As our client, you'll receive extra guidance and explanations through the appraisal process to more fully understand what we do and how we present our findings.
For Sale by Owner/Pre-Listing ServicesIt's very hard to be objective about your own house because of your emotional attachment to it. The professional appraisers at Associated Independent Appraisers will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic selling price so your house will attract many interested buyers, a professional appraisal is a very important negotiating tool once you have an attainable buyer. It's something concrete to show your buyer. It's an independent third party's opinion of your home's value, and not just you saying how much you think your home is worth. Interested buyers know you have an emotional attachment to your home and will be far more likely to give credibility to a qualified appraiser's value opinion than yours.
Challenge Marion County's assessment of your propertyYour local tax assessor may have your home overvalued if you live in a region that is going down or is not appreciating as much as other properties nearby. That only means you're paying more taxes than you should. Since your property assessment may likely go up again in the next period, the quicker you take care of things like this, the better off you'll be. A professional appraisal from Associated Independent Appraisers is your number one weapon when challenging your property tax assessment.
Appraisals to remove PMIAn attractive way to cut costs for homeowners is to get the PMI canceled 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 your lender to have the PMI canceled from your loan, which will make your monthly payments go down. At Associated Independent Appraisers, we're experts in helping clients just like you rid yourselves of unnecessary PMI insurance.
Was your HELOC recently frozen?Even if your specific property has not declined in value, your lender might choose to automatically freeze your home equity line of credit (HELOC) if your property is in a declining area. This can be unfavorable to your credit score since it may appear as though that credit line is maxed out, and also disadvantageous from a cash flow angle. Associated Independent Appraisers can provide you with a professional appraisal to help you reinstate your home equity line of credit.
Field and Desktop Appraisal Review ServicesWould you wish a second opinion without the added expense and delay of waiting for a whole new appraisal? Or do you desire an expert to double-check your appraisal for verity? Associated Independent Appraisers offers field reviews where we go out and check the subject and comparables. If you need it immediately, we'll provide 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? Associated Independent Appraisers can help you with that. While typically requested by banks, you may wish to employ this service if you suspect mortgage fraud related to your home.