Appraisal services for Saint Joseph and Buchanan County homeowners
Check out the top 7 reasons why MO homeowners hire Guy Appraisal:
Do you own a house in or near Saint Joseph? Do you need help deciding the value of your real estate?
We at Guy Appraisal understand the special needs of a consumer seeking appraisal services. While our typical business clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of customer service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.
For Sale By Owner (FSBO)/Pre-Listing Services
Since you have an emotional attachment to your own home, it's often very hard to be objective about it. The professional appraisers at Guy Appraisal will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is very valuable as a negotiating tool once you have a likely buyer, in addition to helping you set a realistic price to sell at so your property will attract buyers. It gives you something concrete 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 house is worth. Interested buyers assume that you have an emotional attachment to your house and will be far more likely to give credibility to an experienced appraiser's value report than yours.
PMI Removal Appraisals
Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is an attractive way to save money for homeowners. Once your mortgage loan amount is below 80% of the value of your property, in most cases you can apply to the lender to have the PMI eliminated from your loan, which will make your monthly payments go down. We're veterans in helping consumers just like you rid yourselves of unwanted and unneeded PMI insurance.
Challenge Buchanan county's assessment of your property
Lets say your house is not appreciating as much as other homes nearby -- your local tax assessor may have your home overvalued. That only means you're going to pay more taxes than you should. The faster you take care of things 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 an expert appraisal from Guy Appraisal is your perfect weapon.
Was your HELOC recently frozen?
Your lender may just choose to automatically freeze your home equity line of credit (HELOC) if your house is in a declining area -- even if your specific property has not declined in value. Not only can this be difficult from a cash flow standpoint, but it can be bad for your credit score since it may appear as though that credit line is maxed out. Guy Appraisal can help you reinstate your home equity line of credit with efficient appraisal.
Do You Need Field and Desktop Appraisal Review Services?
Have you just accepted a copy of your appraisal and you would like to have a seasoned expert double-check it for accuracy or do you need a second opinion without the cost and delay of waiting for a whole new appraisal? An appraiser from Guy Appraisal can go out and check the subject and comparables in question in a field review. If you're in a hurry, 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? Guy Appraisal can help with that too. While usually requested by banks, you may need to use this service if you suspect mortgage fraud related to your property.