Attention homeowners in Gallatin and Madison County: Get an Appraisal today!
Here are the top 7 reasons why Montana homeowners need Mountain View Appraisal:
We at Mountain View Appraisal understand the individual needs of a customer in need of appraisal services. Our business practices and reporting formats are familiar to our business clients like lenders, lawyers, and accountants. As our valued client, you will receive extra guidance and explanations through the appraisal process to better understand what we do and how we document our findings.
For-Sale-by-Owner (FSBO) / Pre-Listing ServicesSince you have an emotional attachment to your house, it's often very hard to be objective about 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 very valuable as a negotiating tool once you have an attainable buyer, in addition to helping you set a realistic selling price so your property will attract many interested buyers. It gives you something concrete to show the buyer. The appraisal is an independent third party's opinion of your home's value, not just you saying how much your house is worth. Potential buyers know that you have an emotional attachment to your home and will be more likely to give credibility to a professional appraiser's value judgement than yours.
Challenge property tax assessmentsLet's say you live in a local area that's declining -- your local tax assessor may have your home overvalued. This only means you are probably paying higher taxes than you should be paying. The sooner 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. When contesting your property tax assessment, getting a professional appraisal from Mountain View Appraisal is your #1 weapon.
Need to cancel PMI?Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a popular way to cut costs for homeowners. Your monthly payments will go down once your mortgage loan amount is less than 80% of the value of your property. In most cases you can apply to your lender to have the PMI removed from your loan. We are veterans in helping folks just like you dismiss unwanted and unneeded PMI insurance.
HELOC recently frozen?If your home is close to a declining area, your lender just might choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be disadvantageous from a cash flow angle, but it can be detrimental to your credit score since it may appear as though that credit line is maxed out. Mountain View Appraisal can help you reinstate your home equity line of credit with an expert appraisal.
We Also Provide Field and Desktop Appraisal Review ServicesWould you prefer a second opinion without the added cost and delay of waiting for a whole new appraisal? Or do you desire a seasoned expert to double-check your appraisal for preciseness? An appraiser from Mountain View Appraisal can go out and check the subject and comparables in question in a field review. If you're in a hurry, we'll provide you with a desk review and verify as many facts as we can, using online data sources as well as our own files.
Do you need a retrospective review of an appraisal report? We can assist you. Although most review work is requested by lenders for quality control, homeowners that have reason to believe they've been the victim of mortgage fraud are wise to invest in a second opinion.