Real estate appraisal services for homeowners in the city of Phoenix and Maricopa County
The top seven reasons why AZ homeowners hire Susan Scotto Allison:
Do you own a house in or near Phoenix? Do you need help deciding the price of your real estate?
We at Susan Scotto Allison understand the unique needs of a customer looking for appraisal services. While our typical business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra customer 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 own house, it's often very hard to be objective about it. Professional appraisers, like the ones at Susan Scotto Allison, are objective. We will tell you what you need to know, not just what you want to hear. A professional appraisal is very crucial as a negotiating tool once you have a likely buyer, in addition to helping you set a realistic price to sell at so your home will attract interested buyers. It gives you something tangible to show your buyer. It's an independent third party's opinion of your house's value, and not just how much you think your house is worth. Interested buyers know you have an emotional attachment to your home and will be far more likely to give credibility to an expert appraiser's value judgement than yours.
Appraisals to cancel PMI
PMI stands for Private Mortgage Insurance. A preferred money saver for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount is below 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. We are experienced in helping folks just like you rid themselves of unneeded PMI insurance.
Challenge property tax assessments
Your local tax assessor may have your house overvalued if your home not appreciating as much as other properties close by. That only means you're probably 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. Getting an appraisal report from Susan Scotto Allison is your best weapon when challenging your property tax assessment.
Was your HELOC recently frozen?
Even if your specific property has not declined in value, your lender may just decide to automatically freeze your home equity line of credit (HELOC) if your house is close to a declining area. Not only can this be difficult from a cash flow viewpoint, but it can be damaging to your credit score since it may appear as though that credit line is maxed out. Susan Scotto Allison can help you reinstate your home equity line of credit with efficient appraisal.
Do You Need Field and Desktop Appraisal Review Services?
Do you need a seasoned appraiser to double-check your appraisal for efficiency, or do you desire a second opinion without the added cost and delay of waiting for a whole new appraisal? An appraiser from Susan Scotto Allison can go out and check the subject and comparables in a field review. If you need it in a rush, 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.
Need a retrospective review of an appraisal report? We can help you with that Even though this is typically requested by banks, you may desire to exercise this service if you suspect mortgage fraud related to your property.