Attention homeowners in Olalla and Kitsap County: Get an Appraisal today!
Check out the top seven reasons WA homeowners need Momentum Appraisals:
Need help deciding the value of your home in or near Olalla, WA?
We at Momentum Appraisals understand the particular needs of a customer looking for appraisal services. While our typical clients understand the appraisal process and standard reporting formats, you as a consumer will get extra customer 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 home, 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 a potential buyer. It gives you something concrete to show your buyer. It's an independent third party's opinion of your property's value, and not just how much 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 a qualified appraiser's value assessment than yours.
Appraisals to remove PMI
PMI stands for Private Mortgage Insurance. A preferred way to cut costs for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan is below 80% of the value of your property. In most cases you can apply to your lender to have the PMI eliminated from your loan. At Momentum Appraisals, we're seasoned in helping homeowners just like you do away with unnecessary PMI insurance.
Challenging property tax assessments
Lets say your house is not appreciating as much as other houses close by -- your local tax assessor may have your house overvalued. This means you are most likely paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the quicker you take care of a matter like this, the better. When challenging your property tax assessment, getting an appraisal from Momentum Appraisals is your chief weapon.
HELOC recently frozen?
Even if your specific property has not declined in value, your lender might just choose to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area. This can be be unfavorable to your credit score since it may appear as though that credit line is maxed out, and also annoying from a cash flow standpoint. An expert appraisal from Momentum Appraisals can help you reinstate your HELOC.
Field and Desktop Appraisal Review Services
Do you need a professional to double-check your appraisal for verity, or do you desire a second opinion without the added expense and delay of waiting for a whole new appraisal? An appraiser from Momentum Appraisals can go out and check the subject and comps in a field review. If you need it immediately, we'll 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? We can help you with that While usually requested by banks, you may wish to exploit this service if you suspect mortgage fraud related to your home.