Real estate appraisal services for homeowners in the city of Chandler and Maricopa County
The top seven reasons why AZ homeowners call on Desert Sky Appraisers:
Do you own a home in or near Chandler? Do you need help deciding the value of your real estate?
At Desert Sky Appraisers, we understand the particular needs of a homeowner in need of 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/Pre-Listing Services
Since you have an emotional attachment to your own 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 home will attract interested buyers, a professional appraisal is a very important negotiating tool once you have a likely buyer. It's something concrete to show your buyer. The appraisal is an independent third party's opinion of your property's price, not just you saying how much your home is worth. Potential buyers assume you have an emotional attachment to your home and will be more likely to give credibility to an experienced appraiser's value assessment than yours.
Appraisals to cancel PMI
PMI stands for Private Mortgage Insurance. A popular way to cut expenses for homeowners is getting the PMI canceled 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 house, 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. At Desert Sky Appraisers, we're experienced in helping clients just like you rid yourselves of unneeded PMI insurance.
Challenge Tax Assessment
Lets say you live in a region that is going down -- your local tax assessor may have your home overvalued. That means you are probably paying more taxes than you should. Since your property assessment may likely go up again in the next period, the earlier you take care of a matter like this, the better off you'll be. Getting an appraisal report from Desert Sky Appraisers is your chief weapon when contesting your property tax assessment.
HELOC recently frozen?
Even if your specific property has not declined in value, your lender might just choose to automatically freeze your home equity line of credit (HELOC) if your house is in a declining area. This can this be unsuitable from a cash flow standpoint, and negative on your credit score since it may appear as though that credit line is maxed out. Desert Sky Appraisers can provide you with a professional appraisal to help you reinstate your home equity line of credit.
We Provide Field and Desktop Appraisal Review Services
Do you need a veteran appraiser to double-check your appraisal for accuracy, or do you desire a second opinion without the charge and delay of waiting for a whole new appraisal? Desert Sky Appraisers offers field reviews where we go out and check the subject and comparables. If you're 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.
We can also provide you with a a retrospective review of any appraisal report you may have had in the past. While usually requested by banks, you may need to take advantage of this service if you suspect mortgage fraud related to your property.