Attention homeowners in Anderson and Escambia County: Need an appraisal?
The top 7 reasons why IN homeowners hire Brooks Appraisal Services:
Do you own a house in or near Anderson? Do you need help determining the value of your real estate?
We at Brooks Appraisal Services understand the special needs of a consumer in need of 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 home, it's often very hard to be objective about it. Professional appraisers, like the ones at Brooks Appraisal Services, will be objective. We 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 home will attract buyers, a professional appraisal is very valuable as a negotiating tool once you have an interested buyer. It gives you something concrete to show the buyer. It's an independent third party's opinion of your home's price, and not just how much your house is worth. Interested buyers assume you have an emotional attachment to your home and will be more likely to give credibility to an accomplished appraiser's value opinion than yours.
Need to cancel PMI?
A preferred way to save money for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan amount is less than 80% of the value of your home, in most cases you can apply to the lender to have the PMI removed from your loan, which will make your monthly payments go down. At Brooks Appraisal Services, we're experts in helping customers just like you get rid of unnecessary PMI insurance.
Challenging Escambia county's assessment of your property
Your local tax assessor may have your house overvalued if your house is not appreciating as much as other properties nearby. This means you're most likely paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the earlier you take care of things like this, the better off you'll be. When challenging your property tax assessment, getting a professional appraisal from Brooks Appraisal Services is your number one weapon.
HELOC recently frozen?
Even if your specific property has not declined in value, your lender might just decide to automatically freeze your home equity line of credit (HELOC) if your home is near a declining area. Not only can this be troublesome from a cash flow angle, but it can be unfavorable to your credit score since it may appear as though that credit line is maxed out. Brooks Appraisal Services can help you reinstate your HELOC.
Field and Desktop Appraisal Review Services
Do you need a veteran appraiser to double-check your appraisal for preciseness, or do you want a second opinion without the added cost and delay of waiting for a whole new appraisal? Brooks Appraisal Services offers field reviews where we go out and check the subject and comparables. Or, if you need it ASAP, 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? Brooks Appraisal Services can help you with that. Even though this is typically requested by banks, you may desire to employ this service if you suspect mortgage fraud related to your house.