Appraisal services for Phoenix and Maricopa County homeowners
The top seven reasons AZ homeowners order from Northern Arizona Appraisal, Inc.:
Do you own a home in or near Phoenix? Do you need help determining the price of your real estate?
At Northern Arizona Appraisal, Inc., we understand the individual needs of a consumer in need of appraisal services. Our regular business clients understand the appraisal process and the customary "products" we deliver to them. Being a regular homeowner that most likely doesn't look at appraisals on a regular basis,you will receive extra guidance and explanations through the appraisal process to better understand what we do and how we report our findings.
For-Sale-By-Owner (FSBO) / Pre-Listing Services
Since you have an emotional attachment to your house, it's often very hard to be objective about it. Our professional appraisers at Northern Arizona Appraisal, Inc. are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. 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 likely buyer. The appraisal is something concrete to show your buyer. An appraisal is an independent third party's opinion of your house's value -- not just you saying how much you think your home is worth. Potential buyers know you have an emotional attachment to your house and will be far more likely to give credibility to an expert appraiser's value conclusion than yours.
Need to cancel PMI?
An attractive way to cut expenses for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". 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. Northern Arizona Appraisal, Inc. is qualified in helping homeowners just like you dismiss unneeded and unwanted PMI insurance.
Challenge Maricopa county's assessment of your property
If you live in an area that is going down or is not appreciating as much as other homes nearby, your local tax assessor may have your home overvalued. That only 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. An appraisal report from Northern Arizona Appraisal, Inc. is your chief weapon when challenging your property tax assessment.
Recently got a freeze your HELOC?
If your property is close to a declining area, your lender just may choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be destructive to your credit score since it may appear as though that credit line is maxed out, and also unsuitable from a cash flow standpoint. Northern Arizona Appraisal, Inc. can provide you with a professional appraisal to help you reinstate your home equity line of credit.
We Offer Field and Desktop Appraisal Review Services
Have you just received a copy of your appraisal and you'd wish to have a professional double-check it for precision or do you need a second opinion without the added cost and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comps. 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 with that too. Even though this is usually requested by banks, you may desire to exploit this service if you suspect mortgage fraud related to your home.