Attention homeowners: Real estate appraisal services for in Mesa and Maricopa County
The top reasons Arizona homeowners order from Cotter Valuation Group:
We at Cotter Valuation Group understand the individual needs of a customer looking for appraisal services. While our usual 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/Pre-Listing ServicesIt's very hard to be objective about your own house because of your emotional attachment to 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 property will attract buyers, a professional appraisal is a very important negotiating tool once you have an attainable buyer. It's something tangible to show your buyer. The appraisal is an independent third party's opinion of your property's value, not just how much you think your house 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 accomplished appraiser's value report than yours.
Challenge a property tax assessmentLet's say your house is not appreciating as much as other homes nearby -- your local tax assessor may have your home overvalued. That only means you're most likely paying more taxes than you should. Since your property assessment may likely go up again in the next period, the sooner you take care of things like this, the better. An appraisal report from Cotter Valuation Group is your chief weapon when contesting your property tax assessment.
Appraisals to remove PMIGetting the PMI (Private Mortgage Insurance) removed from your mortgage loan is an attractive way to save money for homeowners. Once your mortgage loan amount is down below 80% of the value of your property, 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. Cotter Valuation Group is qualified in helping consumers just like you do away with unwanted and unneeded PMI insurance.
HELOC recently frozen?Even if your specific property has not declined in value, your lender just might decide to automatically freeze your home equity line of credit (HELOC) if your property is in or near a declining area. This can be harmful to your credit score since it may appear as though that credit line is maxed out, and also annoying from a cash flow standpoint. Cotter Valuation Group can help you reinstate your home equity line of credit with an expert appraisal.
Do You Need Field and Desktop Appraisal Review Services?Do you need a veteran appraiser to double-check your appraisal for preciseness, or do you need a second opinion without the cost and delay of waiting for a whole new appraisal? An appraiser from Cotter Valuation Group can go out and check the subject and comps 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.
We can also provide a retrospective review of any appraisal report you may have in your possession. While usually requested by banks, you may want to use this service if you suspect mortgage fraud related to your home.