Need an appraisal in Meridian or Ada County?
Here are the top reasons ID homeowners order from Metro Appraisals:
Do you own a house in or near Meridian? Do you need help determining the value of your real estate?
We at Metro Appraisals understand the particular needs of a consumer looking for appraisal services. While our typical 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 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. In addition to helping you set a realistic selling price so your house will attract buyers, a professional appraisal is a very valuable negotiating tool once you have an attainable buyer. The appraisal is something tangible to show the buyer. An appraisal is an independent third party's opinion of your home's 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 professional appraiser's value assessment than yours.
Need to cancel PMI?
PMI stands for Private Mortgage Insurance. A fashionable way to cut expenses for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is less than 80% of the value of your property, in most cases you can apply to your lender to have the PMI canceled from your loan, which will make your monthly payments go down. Metro Appraisals is seasoned in helping consumers just like you remove undesirable PMI insurance.
Challenge a property tax assessment
Your local tax assessor may have your house overvalued if you live in a local area that's going down. This means you are probably paying higher taxes than you should be paying. The earlier you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. Getting a professional appraisal from Metro Appraisals is your strongest weapon when challenging your property tax assessment.
Recently got a freeze your HELOC?
Your lender may make the decision to automatically freeze your home equity line of credit (HELOC) if your property is close to a declining area -- even if your specific property has not declined in value. This can be be detrimental to your credit score since it may appear as though that credit line is maxed out, and also inopportune from a cash flow point of view. Metro Appraisals can help you reinstate your home equity line of credit with efficient appraisal.
Need Field and Desktop Appraisal Review Services?
Have you just been given a copy of your appraisal and you would prefer to have an expert double-check it for accuracy or do you want a second opinion without the expense and delay of waiting for a whole new appraisal? Metro Appraisals offers field reviews where we'll go out and check the subject and comps in question. If you need it in a rush, 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? Metro Appraisals can help with that too. Even though this is usually requested by banks, you may wish to utilize this service if you suspect mortgage fraud related to your house.