Appraisal services for Meridian and Ada County homeowners
Here are the top seven reasons why ID homeowners call on Metro Appraisals:
Own a home in or near Meridian, ID and need help determining the value of it?
At Metro Appraisals, we understand the individual needs of a homeowner in need of appraisal services. While our usual 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
It's very hard to be objective about your own home because you most likely have an emotional attachment to it. The professional appraisers at Metro Appraisals will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is a very important negotiating tool once you have an interested buyer, in addition to helping you set a realistic price to sell at so your home will attract interested buyers. The appraisal is something tangible to show the buyer. It's an independent third party's opinion of your house's price, and not just how much you think your home is worth. Potential buyers know that you have an emotional attachment to your home and will be more likely to give credibility to an accomplished appraiser's value opinion than yours.
Appraisals to cancel PMI
Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a fashionable way to save money for homeowners. Your monthly payments will go down once your mortgage loan amount is less than 80% of the value of your home. In most cases you can apply to a lender to have the PMI removed from your loan. Metro Appraisals is veterans in helping customers just like you delete unwanted PMI insurance.
Challenge a property tax assessment
Lets say your home is not appreciating as much as other properties close by -- your local tax assessor may have your home overvalued. That means you are going to pay 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. Getting an expert appraisal from Metro Appraisals is your perfect weapon when contesting your property tax assessment.
HELOC recently frozen?
If your home is near a declining area, your lender might just decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be destructive to your credit score since it may appear as though that credit line is maxed out, and also annoying from a cash flow standpoint. Metro Appraisals can help you reinstate your HELOC.
Need 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 veteran appraiser to double-check your appraisal for precision? We can go out and check the subject and comps in question in a field review. Or, if you need it ASAP, 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 a retrospective review of any appraisal report you may have had in the past. While usually requested by banks, you may wish to exercise this service if you suspect mortgage fraud related to your house.