Appraisal services for Jonesboro and Craighead County homeowners
The top reasons Arkansas homeowners hire Moring & Associates:
We at Moring & Associates understand the special needs of a consumer looking for appraisal services. While our typical 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 ServicesSince you have an emotional attachment to your 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 price to sell at so your house will attract buyers, a professional appraisal is very crucial as a negotiating tool once you have an interested buyer. It gives you something tangible to show your buyer. The appraisal is an independent third party's opinion of your home's value, not just you saying how much you think your house is worth. Potential buyers know you have an emotional attachment to your home and will be much more likely to give credibility to an accomplished appraiser's value judgement than yours.
Challenge a property tax assessmentLet's say you live in a region that's declining -- your local tax assessor may have your house overvalued. That only means you are 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 off you'll be. An expert appraisal from Moring & Associates is your number one weapon when contesting your property tax assessment.
PMI Removal AppraisalsPMI stands for Private Mortgage Insurance. An attractive way to cut costs for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. 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, which will make your monthly payments go down. Moring & Associates is qualified in helping clients just like you get rid of unnecessary PMI insurance.
HELOC recently frozen?Your lender might make the decision to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area -- even if your specific property has not declined in value. This can be detrimental to your credit score since it may appear as though that credit line is maxed out, and also troublesome from a cash flow standpoint. Moring & Associates can help you reinstate your home equity line of credit with an expert appraisal.
Need Field and Desktop Appraisal Review Services?Would you wish a second opinion without the expense and delay of waiting for a whole new appraisal? Or do you want a veteran appraiser to double-check your appraisal for efficiency? We can go out and check the subject and comps in a field review. Or, if you're in a hurry, 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? Moring & Associates can help you with that. While typically requested by banks, you may desire to make use of this service if you suspect mortgage fraud related to your house.