Attention homeowners in Coos Bay and Coos County: Get an Appraisal today!
Here are the top seven reasons why Oregon homeowners hire Cross Appraisal Service:
We at Cross Appraisal Service understand the unique needs of a homeowner 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/Pre-Listing ServicesSince you have an emotional attachment to your house, it's often very hard to be objective about it. The professional appraisers at Cross Appraisal Service will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic price to sell at so your home will attract many interested buyers, a professional appraisal is a very important negotiating tool once you have an attainable buyer. It gives you something concrete to show your buyer. The appraisal is an independent third party's opinion of your property's market value, not just how much your home is worth. Interested buyers know that you have an emotional attachment to your home and will be more likely to give credibility to an experienced appraiser's value assessment than yours.
Challenge Tax AssessmentLet's say your house is not appreciating as much as other houses close by -- your local tax assessor may have your home overvalued. That means you are probably paying more taxes than you should. The sooner you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. When contesting your property tax assessment, getting an appraisal report from Cross Appraisal Service is your #1 weapon.
Need to remove PMI?A popular way to cut costs for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan amount is below 80% of the value of your property, in most cases you can apply to your lender to have the PMI removed from your loan, which will make your monthly payments go down. We are experts in helping clients just like you remove unneeded PMI insurance.
HELOC recently frozen?Even if your specific property has not declined in value, your lender might just choose to automatically freeze your home equity line of credit (HELOC) if your house is in or near a declining area. This can be annoying from a cash flow standpoint, and harmful to your credit score since it may appear as though that credit line is maxed out. Cross Appraisal Service can help you reinstate your HELOC.
Do You Need Field and Desktop Appraisal Review Services?Do you need a seasoned professional to double-check your appraisal for efficiency, or do you desire a second opinion without the added expense and delay of waiting for a whole new appraisal? An appraiser from Cross Appraisal Service can go out and check the subject and comparables 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.
We can also provide you with a retrospective review of any appraisal report you may have had done before. Although most review work is commissioned by lenders, homeowners that have reason to believe a prior appraisal wasn't above board are wise to get a second opinion.