Need an appraisal in Leavenworth or Chelan County?
Here are the top seven reasons WA homeowners call on Lighthouse Appraisal Service:
Do you own a home in or near Leavenworth? Do you need help determining the price of your real estate?
At Lighthouse Appraisal Service, we understand the individual needs of a homeowner seeking appraisal services. Our customary business clients are used to the appraisal process and the usual "products" we deliver to them. Being a regular homeowner that most likely doesn't look at appraisals on a regular basis,you'll receive extra guidance and explanations through the appraisal process to understand what we do and how we report the results of our analysis.
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. 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 selling price so your home will attract many interested buyers, a professional appraisal is very valuable as a negotiating tool once you have a likely buyer. It's something tangible to show your buyer. It's an independent third party's opinion of your home's value, and 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 much more likely to give credibility to a qualified appraiser's value assessment than yours.
Need to remove PMI?
PMI stands for Private Mortgage Insurance. A preferred way to save money for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down 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 eliminated from your loan. At Lighthouse Appraisal Service, we're seasoned in helping people just like you get rid of undesirable PMI insurance.
Challenge property tax assessments
Lets say you live in a local area that's declining -- your local tax assessor may have your home overvalued. That means you're probably paying 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. A professional appraisal from Lighthouse Appraisal Service is your number one weapon when contesting your property tax assessment.
Recently got a freeze your HELOC?
Even if your specific property has not declined in value, your lender just may make the decision to automatically freeze your home equity line of credit (HELOC) if your property is close to a declining area. Not only can this be difficult and inconvenient from a cash flow point of view, but it can be harmful to your credit score since it may appear as though that credit line is maxed out. A professional appraisal from Lighthouse Appraisal Service can help you reinstate your HELOC.
Field and Desktop Appraisal Review Services
Do you need a seasoned appraiser to double-check your appraisal for efficiency, or do you want a second opinion without the expense and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in a field review. Or, if you're in a rush, we can 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 a retrospective review of any appraisal report you may have had in the past. Even though this is typically requested by banks, you may wish to exercise this service if you suspect mortgage fraud related to your home.