Attention homeowners in Phoenix and Maricopa County: Get an Appraisal today!
The top seven reasons why AZ homeowners need Northern Arizona Appraisal, Inc.:
Need help determining the price of your home in or near Phoenix, AZ?
We at Northern Arizona Appraisal, Inc. understand the particular needs of a homeowner looking for 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
Since you have an emotional attachment to your own house, it's often very hard to be objective about it. Our professional appraisers at Northern Arizona Appraisal, Inc. are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. In addition to helping you set a realistic selling price so your home will attract interested buyers, a professional appraisal is a crucial negotiating tool once you have an attainable buyer. It gives you something tangible to show the buyer. An appraisal is an independent third party's opinion of your home's value -- not just how much you think your home is worth. Interested buyers assume you have an emotional attachment to your home and will be far more likely to give credibility to a professional appraiser's value conclusion than yours.
Appraisals to cancel PMI
PMI stands for Private Mortgage Insurance. A fashionable way to cut expenses for homeowners is to get the PMI eliminated 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 home. In most cases you can apply to your lender to have the PMI eliminated from your loan. Northern Arizona Appraisal, Inc. is seasoned in helping customers just like you delete unneeded and unwanted PMI insurance.
Challenge property tax assessments
Your local tax assessor may have your home overvalued if your home not appreciating as much as other houses nearby. That only means you are paying more taxes than you should. The faster you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. When challenging your property tax assessment, getting an expert appraisal from Northern Arizona Appraisal, Inc. is your strongest weapon.
HELOC recently frozen?
Even if your specific property has not declined in value, your lender might decide to automatically freeze your home equity line of credit (HELOC) if your house is in or near a declining area. Not only can this be unsuitable from a cash flow standpoint, but it can be unfavorable to your credit score since it may appear as though that credit line is maxed out. Northern Arizona Appraisal, Inc. can help you reinstate your HELOC.
Field and Desktop Appraisal Review Services
Have you just received a copy of your appraisal and you'd prefer to have an expert double-check it for precision or do you need a second opinion without the added expense and delay of waiting for a whole new appraisal? An appraiser from Northern Arizona Appraisal, Inc. can go out and check the subject and comps in question 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.
Need a retrospective review of an appraisal report? We can help with that too. While usually requested by banks, you may wish to exercise this service if you suspect mortgage fraud related to your house.