Real estate appraisal services for homeowners in the city of Farmington and San Juan County
Here are the top 7 reasons NM homeowners need Accent on Appraisal:
To get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
Challenge a property tax assessment
To cut your mortgage payment by removing PMI
To reinstate your Home Equity Line of Credit (HELOC)
Review a different appraiser's report for verification
If real estate property needs to be divided because of a divorce
To determine the true market value of property in question to settle an estate
We at Accent on Appraisal understand the unique needs of a consumer looking for appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like lenders, attorneys, and CPAs. But as a consumer,we will give you extra guidance and explanations through the appraisal process to more fully understand what we do and how we report our conclusions.
For Sale By Owner (FSBO)/Pre-Listing Services
It's very hard to be objective about your own house because you most likely have an emotional attachment to it. Our professional appraisers at Accent on Appraisal 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 price to sell at so your house will attract interested buyers, a professional appraisal is a very valuable negotiating tool once you have an attainable buyer. It's something tangible to show the buyer. An appraisal is an independent third party's opinion of your house's price -- not just how much you think your house is worth. Potential buyers know you have an emotional attachment to your house and will be far more likely to give credibility to an accomplished appraiser's value report than yours.
Appraisals to remove PMI
An attractive way to save money for homeowners is to get 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 amount is down below 80% of the value of your house, 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 Accent on Appraisal, we're experts in helping homeowners just like you rid yourselves of unnecessary PMI insurance.
Challenging San Juan county's assessment of your property
Lets say you live in a local area that is declining -- your local tax assessor may have your house overvalued. This means you're probably paying higher taxes than you should be paying. The earlier you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. Getting an expert appraisal from Accent on Appraisal is your number one weapon when contesting your property tax assessment.
HELOC recently frozen?
If your house is near a declining area, your lender may just decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can this be unsuitable from a cash flow standpoint, and detrimental to your credit score since it may appear as though that credit line is maxed out. An appraisal from Accent on Appraisal can help you reinstate your HELOC.
Do You Need Field and Desktop Appraisal Review Services?
Have you just been handed a copy of your appraisal and you'd wish to have an expert double-check it for accuracy or do you want a second opinion without the added expense and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comparables in question. If you need it immediately, 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 a retrospective review of any appraisal report you may have had done before. While usually requested by banks, you may want to exercise this service if you suspect mortgage fraud related to your house.