At Sticks & Bricks Appraisal Services Ltd., we understand the special needs of a homeowner seeking 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
It's very hard to be objective about your own home because of your emotional attachment to it.
Our professional appraisers at Sticks & Bricks Appraisal Services Ltd. are objective. We won't just tell you what you want to hear, we'll tell you what you need to know.
A professional appraisal is very crucial as a negotiating tool once you have a likely buyer, in addition to helping you set a realistic selling price so your property will attract buyers.
It gives you something concrete to show your buyer.
It's an independent third party's opinion of your house's value, and not just you saying how much your house is worth.
Potential buyers know you have an emotional attachment to your home and will be more likely to give credibility to a seasoned appraiser's value judgement than yours.
Challenge Tax Assessment
Let's say you live in an area that is going down -- your local tax assessor may have your house overvalued.
This means you are going to pay higher taxes than you should be paying.
The quicker you take care of a matter like this, the better, since your property assessment may likely go up again in the next period.
A professional appraisal from Sticks & Bricks Appraisal Services Ltd. is your strongest weapon when contesting your property tax assessment.
Need to cancel PMI?
A popular money saver 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".
Once your mortgage loan is less than 80% of the value of your home, in most cases you can apply to your lender to have the PMI canceled from your loan, which will make your monthly payments go down.
At Sticks & Bricks Appraisal Services Ltd., we're qualified in helping folks just like you do away with unneeded and unwanted PMI insurance.
Was your HELOC recently frozen?
Even if your specific property has not declined in value, your lender might choose to automatically freeze your home equity line of credit (HELOC) if your home is close to a declining area.
Not only can this be annoying 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.
Sticks & Bricks Appraisal Services Ltd. can help you reinstate your HELOC.
Need Field and Desktop Appraisal Review Services?
Have you just gotten a copy of your appraisal and you would wish to have a seasoned expert double-check it for precision or do you desire a second opinion without the added expense and delay of waiting for a whole new appraisal?
We can go out and check the subject and comps in a field review.
If you're in a hurry, 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 you with a retrospective review of any appraisal you may have had done before.
Although most review work is commissioned by lenders, homeowners suspecting a prior appraisal wasn't above board are wise to invest in a second opinion.
