Attention homeowners in Maricopa and Pinal County: Need an appraisal?
Here are the top 7 reasons Arizona homeowners order from T.R. Moore & Associates, Inc.:
At T.R. Moore & Associates, Inc., we understand the particular needs of a customer in need of appraisal services. Our usual business clients are used to the appraisal process and the usual documents we provide. Being a person not in the real estate field that most likely doesn't look at appraisals every day, we will give you 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 (FSBO)/Pre-Listing ServicesIt's very hard to be objective about your own home because of your 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. In addition to helping you set a realistic selling price so your property will attract many interested buyers, a professional appraisal is very valuable as a negotiating tool once you have a potential buyer. It's 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 more likely to give credibility to an expert appraiser's value estimation than yours.
Challenging County's assessment of your propertyIf you live in an area that is going down or not appreciating as much as other houses close by, your local tax assessor may have your home 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 earlier you take care of things like this, the better. An appraisal from T.R. Moore & Associates, Inc. is your number one weapon when contesting your property tax assessment.
PMI Removal AppraisalsGetting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a popular way to save money for homeowners. Your monthly payments will go down once your mortgage loan is below 80% of the value of your house. In most cases you can apply to your lender to have the PMI eliminated from your loan. T.R. Moore & Associates, Inc. is seasoned in helping clients just like you delete unneeded PMI insurance.
HELOC recently frozen?If your home is close to a declining area, your lender may make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be inconvenient from a cash flow standpoint, and harmful to your credit score since it may appear as though that credit line is maxed out. T.R. Moore & Associates, Inc. can help you reinstate your home equity line of credit with a professional appraisal.
Field and Desktop Appraisal Review ServicesWould you like a second opinion without the expense and delay of waiting for a whole new appraisal? Or do you want an expert to double-check your appraisal for precision? An appraiser from T.R. Moore & Associates, Inc. can go out and check the subject and comps in a field review. Or, if you're in a rush, we can provide 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. Even though most review work is requested by lenders, homeowners that have reason to believe they've been the victim of mortgage fraud are wise to invest in a second opinion.