Attention homeowners in Clark and Multnomah Counties: Need an appraisal?
Check out the top 7 reasons why Washington homeowners call on Harper Certified Appraisals, LLC:
We at Harper Certified Appraisals, LLC understand the individual needs of a consumer seeking appraisal services. Our business practices and reporting formats are relatively routine to our business clients like banks, attorneys, and CPAs. As our valued client, we'll be sure you get 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 ServicesSince you have an emotional attachment to your house, 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 many interested buyers, a professional appraisal is very crucial as a negotiating tool once you have a potential buyer. It's something tangible to show your buyer. The 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. Interested buyers assume you have an emotional attachment to your house and will be far more likely to give credibility to an accomplished appraiser's value assessment than yours. Jerin Harper (owner of Harper Certified Appraisals, LLC) is also a WA state licensed real estate broker and Realtor®
Challenging the assessment of your propertyYour local tax assessor may have your house overvalued if your home not appreciating as much as other houses close to yours. That means you're going to pay more taxes than you should. The earlier you take care of things like this, the better, since your property assessment may likely go up again in the next period. An appraisal from Harper Certified Appraisals, LLC is your number one weapon when challenging your property tax assessment.
Appraisals to cancel PMIPMI stands for Private Mortgage Insurance. A popular way to save money for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount is less than 80% of the value of your house, in most cases you can apply to the lender to have the PMI removed from your loan, which will make your monthly payments go down. At Harper Certified Appraisals, LLC, we're experienced in helping customers just like you get rid of unneeded PMI insurance.
Was your HELOC recently frozen?If your house is in or near a declining area, your lender may make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be difficult from a cash flow standpoint, but it can be unfavorable to your credit score since it may appear as though that credit line is maxed out. Harper Certified Appraisals, LLC can help you reinstate your home equity line of credit with an expert appraisal.
Field and Desktop Appraisal Review ServicesHave you just accepted a copy of your appraisal and you would prefer to have a veteran appraiser double-check it for accuracy or do you need a second opinion without the expense and delay of waiting for a whole new appraisal? An appraiser from Harper Certified Appraisals, LLC can go out and check the subject and comparables in question in a field review. Or, if you need it ASAP, we can provide you with a desk review and verify as many facts as we can, using online data sources as well as our own files.
Do you need a retrospective review of an appraisal report? We can assist you. While usually requested by banks, you may need to use this service if you suspect mortgage fraud related to your property.