Need an appraisal in Meridian or Ada County?
Here are the top reasons ID homeowners use Metro Appraisals:
Do you own a house in or near Meridian? Do you need help deciding the price of your real estate?
At Metro Appraisals, we understand the individual needs of a consumer after appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra 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
It's very hard to be objective about your own 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. A professional appraisal is a very important negotiating tool once you have an attainable buyer, in addition to helping you set a realistic selling price so your property will attract buyers. It's something tangible to show the buyer. An appraisal is an independent third party's opinion of your house's value -- not just how much you think your home is worth. Interested buyers know you have an emotional attachment to your house and will be much more likely to give credibility to a qualified appraiser's value opinion than yours.
Appraisals to cancel PMI
PMI stands for Private Mortgage Insurance. An attractive way to cut expenses for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount is down 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 are veterans in helping clients just like you do away with unnecessary PMI insurance.
Challenge Ada county's assessment of your property
Your local tax assessor may have your house overvalued if you live in a region that's declining. That only means you are most likely paying more taxes than you should. The quicker you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. Getting an appraisal report from Metro Appraisals is your chief weapon when contesting your property tax assessment.
Was your HELOC recently frozen?
Your lender may choose to automatically freeze your home equity line of credit (HELOC) if your home is close to a declining area -- even if your specific property has not declined in value. This can be be detrimental to your credit score since it may appear as though that credit line is maxed out, and also disadvantageous from a cash flow point of view. Metro Appraisals can help you reinstate your HELOC.
Field and Desktop Appraisal Review Services
Would you like a second opinion without the added expense and delay of waiting for a whole new appraisal? Or do you need a seasoned expert to double-check your appraisal for preciseness? We can go out and check the subject and comps in question in a field review. 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.
We can also provide you with a a retrospective review of any appraisal report you may have had in the past. While typically requested by banks, you may need to exploit this service if you suspect mortgage fraud related to your house.