Appraisal services for Wilsonville and Ada County homeowners
Here are the top reasons OR homeowners order from ACP Valuations:
Own a home in or near Wilsonville, OR and need help deciding the price of it?
We at ACP Valuations understand the particular needs of a homeowner seeking appraisal services. Our regular business clients understand the appraisal process and the usual reporting formats. But as a general consumer,we will give you extra guidance and explanations through the appraisal process to understand what we do and how we document our findings.
Pre-listing Services/For Sale By Owner
It's very hard to be objective about your home because you probably have an emotional attachment to it. The professional appraisers at ACP Valuations will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic price to sell at so your house will attract many interested buyers, a professional appraisal is very valuable as a negotiating tool once you have a likely buyer. The appraisal is something tangible to show the 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. Interested buyers assume you have an emotional attachment to your home and will be far more likely to give credibility to an expert appraiser's value estimation than yours.
Appraisals to cancel PMI
Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a fashionable way to cut expenses for homeowners. Once your mortgage loan amount is below 80% of the value of your property, in most cases you can apply to a lender to have the PMI eliminated from your loan, which will make your monthly payments go down. We're experienced in helping customers just like you rid yourselves of unneeded PMI insurance.
Challenge property tax assessments
Your local tax assessor may have your home overvalued if you live in a region that's going down or not appreciating as much as other houses close by. 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 faster you take care of a matter like this, the better off you'll be. An expert appraisal from ACP Valuations is your #1 weapon when contesting your property tax assessment.
Was your HELOC recently frozen?
Your lender just might decide to automatically freeze your home equity line of credit (HELOC) if your home is near a declining area -- even if your specific property has not declined in value. This can this be inopportune from a cash flow point of view, and negative on your credit score since it may appear as though that credit line is maxed out. An expert appraisal from ACP Valuations can help you reinstate your HELOC.
Field and Desktop Appraisal Review Services
Have you just gotten a copy of your appraisal and you'd like to have a seasoned appraiser double-check it for preciseness or do you need a second opinion without the cost and delay of waiting for a whole new appraisal? ACP Valuations offers field reviews where we'll go out and check the subject and comparables. Or, if you're in a hurry, we can provide 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? We can help with that too. Even though this is usually requested by banks, you may wish to make use of this service if you suspect mortgage fraud related to your property.