Attention homeowners in Lakewood and Pierce County: Need an appraisal?
The top 7 reasons WA homeowners order from Coulton Company Appraisals:
Do you own a house in or near Lakewood? Do you need help determining the value of your real estate?
At Coulton Company Appraisals, we understand the special needs of a consumer in need of appraisal services. The appraisal process and reporting formats are familiar to our business clients like lenders, lawyers, and accountants. But as a general consumer,you'll receive extra guidance and explanations through the appraisal process to better understand what we do and how we report our conclusions.
Pre-listing Services/For Sale By Owner (FSBO)
It's very hard to be objective about your home 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 very crucial as a negotiating tool once you have an attainable buyer. It's something concrete to show the buyer. An appraisal is an independent third party's opinion of your house's price -- not just you saying how much you think your home is worth. Interested buyers assume you have an emotional attachment to your house and will be far more likely to give credibility to an experienced appraiser's value conclusion than yours.
Appraisals to remove PMI
An attractive way to cut costs for homeowners is getting the PMI canceled 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 less than 80% of the value of your property. In most cases you can apply to a lender to have the PMI canceled from your loan. We're seasoned in helping people just like you delete unneeded PMI insurance.
Challenge a property tax assessment
Your local tax assessor may have your home overvalued if you live in an area that's going down or is not appreciating as much as other houses close by. That means you're 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 a matter like this, the better off you'll be. A professional appraisal from Coulton Company Appraisals is your number one weapon when challenging your property tax assessment.
Recently got a freeze your HELOC?
If your house is in a declining area, your lender may just make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be negative on your credit score since it may appear as though that credit line is maxed out, and also inopportune from a cash flow standpoint. Coulton Company Appraisals can provide you with an expert appraisal to help you reinstate your HELOC.
We Also Offer Field and Desktop Appraisal Review Services
Have you just gotten a copy of your appraisal and you'd wish to have a veteran appraiser double-check it for efficiency or do you desire a second opinion without the added expense and delay of waiting for a whole new appraisal? An appraiser from Coulton Company Appraisals can go out and check the subject and comps in a field review. If you need it ASAP, we'll 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 in your possession. Even though this is usually requested by banks, you may wish to exercise this service if you suspect mortgage fraud related to your property.