Attention homeowners: Real estate appraisal services for in Hartville and Wright County

The top seven reasons why Missouri homeowners hire Appraisal Services of Southern Missouri, LLC:

Get a pre-listing appraisal (whether they're selling the home themselves or using a real estate agent)
Challenge Wright County's assessment of your property
Remove PMI to lower their monthly mortgage payment
To reinstate your Home Equity Line of Credit (or HELOC)
Review a different appraiser's report for verification
In the case of a divorce in the state of Missouri, when real estate property needs to be divided
To determine the true market value of a property to settle an estate


	Do you own a home in or near Hartville? Do you need help deciding the price of your real estate? Contact Appraisal Services of Southern Missouri, LLC.

We at Appraisal Services of Southern Missouri, LLC understand the special needs of a customer seeking appraisal services. Our business practices and reporting formats are relatively routine to our business clients like banks, lawyers, and CPAs. Being a homeowner that most likely doesn't see an appraisal on a regular basis, you will receive extra guidance and explanations through the appraisal process to understand what we do and how we present our findings.

For-Sale-by-Owner (FSBO) / Pre-Listing Services

It's very hard to be objective about your own house because you most likely have an emotional attachment to it. Our professional appraisers at Appraisal Services of Southern Missouri, LLC are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. A professional appraisal is very important as a negotiating tool once you have a potential buyer, in addition to helping you set a realistic price to sell at so your house will attract many interested buyers. It's something tangible to show your buyer. The appraisal is an independent third party's opinion of your house's market value, not just you saying how much your house is worth. Interested buyers assume you have an emotional attachment to your house and will be more likely to give credibility to a qualified appraiser's value judgement than yours.

Challenging a property tax assessment

Let's say you live in a region that's going down -- your local tax assessor may have your home overvalued. That means you're 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 appraisal report from Appraisal Services of Southern Missouri, LLC is your strongest weapon when challenging your property tax assessment.

Appraisals to remove PMI

PMI stands for Private Mortgage Insurance. An attractive way to cut expenses for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is down below 80% of the value of your home, in most cases you can apply to the lender to have the PMI eliminated from your loan, which will make your monthly payments go down. We're experienced in helping folks just like you rid yourselves of unwanted and unneeded PMI insurance.

Was your HELOC recently frozen?

Your lender might just decide to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area -- even if your specific property has not declined in value. Not only can this be troublesome from a cash flow point of view, but it can be damaging to your credit score since it may appear as though that credit line is maxed out. Appraisal Services of Southern Missouri, LLC can provide you with a professional appraisal to help you reinstate your home equity line of credit.

We Offer Field and Desktop Appraisal Review Services

Have you just been given a copy of your appraisal and you would prefer to have a seasoned professional double-check it for precision or do you want a second opinion without the added expense and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in a field review. Or, if you need it immediately, we can provide 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? Appraisal Services of Southern Missouri, LLC can help you with that. Even though 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.