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Appraisal services for Meridian and Ada County homeowners
The top 7 reasons why Idaho homeowners hire Metro Appraisals:
- To get a pre-listing appraisal (whether they're selling the home themselves or using a real estate agent)
- Challenge Ada County's assessment of your property
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To cut your monthly mortgage payment by removing PMI
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To reinstate their Home Equity Line of Credit (or HELOC)
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Review another appraiser's report for verification
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In the case of a divorce in the state of Idaho, when property needs to be divided
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Determine the true market value of the property in question to settle an estate
At Metro Appraisals, we understand the special needs of a homeowner seeking appraisal services.
Our business practices and reporting formats are familiar to our business clients like banks, lawyers, and CPAs. Being a consumer that most likely doesn't look at appraisals on a regular basis, you'll receive extra guidance and explanations through the appraisal process to more clearly understand what we do and how we present our findings.
For Sale by Owner/Pre-Listing Services
Since you have an emotional attachment to your own home, it's often very hard to be objective about it.
Our professional appraisers at Metro Appraisals 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 a very valuable negotiating tool once you have a potential buyer, in addition to helping you set a realistic selling price so your home will attract many interested buyers.
It gives you something concrete to show the buyer.
It's an independent third party's opinion of your property's value, and not just how much your house is worth.
Potential buyers know you have an emotional attachment to your house and will be far more likely to give credibility to an experienced appraiser's value estimation than yours.
Challenge Ada County's assessment of your property
Let's say your house is not appreciating as much as other properties nearby -- your local tax assessor may have your house overvalued.
This means you are probably paying higher taxes than you should be paying.
Since your property assessment may likely go up again in the next period, the quicker you take care of things like this, the better.
When contesting your property tax assessment, getting an expert appraisal from Metro Appraisals is your perfect weapon.
Need to cancel PMI?
PMI stands for Private Mortgage Insurance. A popular way to save money for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments.
Your monthly payments will go down once your mortgage loan amount is down below 80% of the value of your property. In most cases you can apply to a lender to have the PMI canceled from your loan.
We're qualified in helping clients just like you remove unneeded and unwanted PMI insurance.
Recently got a freeze to your HELOC?
Your lender just might choose to automatically freeze your home equity line of credit (HELOC) if your home is near a declining area -- even if your specific property has not declined in value.
This can be annoying from a cash flow point of view, and unfavorable to your credit score since it may appear as though that credit line is maxed out.
Metro Appraisals can help you reinstate your HELOC.
Field and Desktop Appraisal Review Services
Would you like a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you need an expert to double-check your appraisal for verity?
In a field review we will go out and check the subject and comparables.
Or, if you need it in a rush, 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.
Do you need a retrospective review of an appraisal? Metro Appraisals can help you with that.
Even though most review work is commissioned by lenders, homeowners suspecting they've been the victim of mortgage fraud are prudent to get a second opinion.
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