Attention homeowners: Real estate appraisal services for in Sun City West and Maricopa County
Here are the top 7 reasons AZ homeowners use Holbrook and Associates:
Own a house in or near Sun City West, AZ and need help determining the price of it?
At Holbrook and Associates, we understand the unique needs of a homeowner 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 (FSBO)/Pre-Listing Services
It's very hard to be objective about your home because you probably have an emotional attachment to it. Professional appraisers, like the ones at Holbrook and Associates, will be objective. We'll 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 interested buyers, a professional appraisal is very valuable as a negotiating tool once you have a potential buyer. It's something concrete to show your buyer. It's an independent third party's opinion of your house's price, and not just how much you think your house is worth. Potential buyers know that you have an emotional attachment to your house and will be far more likely to give credibility to a seasoned appraiser's value conclusion than yours.
Appraisals to cancel PMI
Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a popular money saver for homeowners. Once your mortgage loan is less than 80% of the value of your home, in most cases you can apply to a lender to have the PMI eliminated from your loan, which will make your monthly payments go down. At Holbrook and Associates, we're experts in helping consumers just like you do away with undesirable PMI insurance.
Challenge property tax assessments
Your local tax assessor may have your home overvalued if you live in a local area that's declining. This only means you're probably paying higher taxes than you should be paying. 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. An appraisal report from Holbrook and Associates is your number one weapon when challenging your property tax assessment.
Recently got a freeze your HELOC?
Even if your specific property has not declined in value, your lender just may make the decision to automatically freeze your home equity line of credit (HELOC) if your property is in or near a declining area. This can be be destructive to your credit score since it may appear as though that credit line is maxed out, and also troublesome from a cash flow viewpoint. Holbrook and Associates can help you reinstate your home equity line of credit with an expert appraisal.
We Also Offer Field and Desktop Appraisal Review Services
Would you prefer a second opinion without the added expense and delay of waiting for a whole new appraisal? Or do you need a seasoned expert to double-check your appraisal for preciseness? An appraiser from Holbrook and Associates can go out and check the subject and comps in question in a field review. Or, if you need it in a rush, 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 report you may have in your possession. Even though this is usually requested by banks, you may wish to use this service if you suspect mortgage fraud related to your property.