Attention homeowners in Baker City and Baker County: Get an Appraisal today!
See the top 7 reasons why OR homeowners need Aaron Still Appraisal:
Need help deciding the price of your home in or near Baker City, OR?
At Aaron Still Appraisal, we understand the individual 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
It's very hard to be objective about your home because you most likely have an emotional attachment to it. Our professional appraisers at Aaron Still Appraisal are objective. We won't just tell you what you want to hear, we will tell you what you need to know. In addition to helping you set a realistic price to sell at so your home will attract many interested buyers, a professional appraisal is very valuable as a negotiating tool once you have an interested buyer. The appraisal is something concrete to show the buyer. The appraisal is an independent third party's opinion of your property's value, not just you saying how much you think your home is worth. Interested buyers know that you have an emotional attachment to your house and will be much more likely to give credibility to an expert appraiser's value conclusion than yours.
Appraisals to remove PMI
A fashionable money saver for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". 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 the lender to have the PMI removed from your loan. We're veterans in helping clients just like you remove undesirable PMI insurance.
Challenge Tax Assessment
If you live in an area that is going down or not appreciating as much as other houses close by, your local tax assessor may have your house overvalued. That means you are going to pay more taxes than you should. Since your property assessment may likely go up again in the next period, the faster you take care of a matter like this, the better. When challenging your property tax assessment, getting an expert appraisal from Aaron Still Appraisal is your #1 weapon.
Recently got a freeze your HELOC?
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 property is in a declining area. This can this be inconvenient from a cash flow standpoint, and unfavorable to your credit score since it may appear as though that credit line is maxed out. An appraisal from Aaron Still Appraisal can help you reinstate your HELOC.
Do You Need Field and Desktop Appraisal Review Services?
Do you need an expert to double-check your appraisal for preciseness, or do you desire a second opinion without the 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.
We can also provide a retrospective review of any appraisal you may have had done before. Even though this is typically requested by banks, you may desire to use this service if you suspect mortgage fraud related to your house.