Attention homeowners in Farmington and Saint Francois County: Get an Appraisal today!
Here are the top seven reasons why MO homeowners call on Abernathy Appraisal Service:
Need help determining the value of your house in or near Farmington, MO?
At Abernathy Appraisal Service, we understand the special needs of a consumer after appraisal services. Our business practices and reporting formats are familiar to our business clients like banks, attorneys, and accountants. Being a homeowner that ordinarily doesn't see an appraisal on a regular basis,we will provide you with extra guidance and explanations through the appraisal process to more fully understand what we do and how we present our conclusions.
Pre-listing Services/For Sale By Owner (FSBO)
Since you have an emotional attachment to your own home, it's often very hard to be objective about it. The professional appraisers at Abernathy Appraisal Service 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 very valuable as a negotiating tool once you have an interested buyer. It's something concrete to show your buyer. The appraisal is an independent third party's opinion of your house's value, not just how much your home is worth. Interested buyers know you have an emotional attachment to your home and will be much more likely to give credibility to an experienced appraiser's value judgement than yours.
PMI Removal Appraisals
Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a popular way to cut expenses for homeowners. 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 your lender to have the PMI removed from your loan. At Abernathy Appraisal Service, we're seasoned in helping folks just like you delete unnecessary PMI insurance.
Challenge property tax assessments
Lets say your house is not appreciating as much as other homes nearby -- your local tax assessor may have your home overvalued. That means you're probably paying more taxes than you should. The faster you take care of things like this, the better, since your property assessment may likely go up again in the next period. When challenging your property tax assessment, getting an appraisal from Abernathy Appraisal Service is your chief weapon.
Recently got a freeze your HELOC?
Even if your specific property has not declined in value, your lender just may decide to automatically freeze your home equity line of credit (HELOC) if your home is near a declining area. Not only can this be unsuitable from a cash flow viewpoint, but it can be damaging to your credit score since it may appear as though that credit line is maxed out. Abernathy Appraisal Service can help you reinstate your home equity line of credit with an expert appraisal.
Do You Need Field and Desktop Appraisal Review Services?
Have you just gotten a copy of your appraisal and you would prefer to have a veteran appraiser double-check it for accuracy or do you want a second opinion without the cost and delay of waiting for a whole new appraisal? Abernathy Appraisal Service offers field reviews where we go out and check the subject and comparables in question. Or, if you're in a hurry, 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.
Need a retrospective review of an appraisal report? We can help you with that Even though this is typically requested by banks, you may want to utilize this service if you suspect mortgage fraud related to your house.