Attention homeowners: Real estate appraisal services for in Dardanelle and Pope County
Here are the top 7 reasons Arkansas homeowners order from Michael Hodges Appraisals, Inc.:
We at Michael Hodges Appraisals, Inc. understand the individual needs of a homeowner seeking appraisal services. Our customary business clients understand the appraisal process and the usual "products" we deliver to them. Being a regular consumer that ordinarily doesn't see an appraisal 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.
Pre-listing Services/For Sale by OwnerSince you have an emotional attachment to your own house, it's often very hard to be objective about it. Professional appraisers, like the ones at Michael Hodges Appraisals, Inc., will be objective. We 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 house will attract interested buyers, a professional appraisal is very important as a negotiating tool once you have an interested buyer. It's something concrete to show the buyer. An appraisal is an independent third party's opinion of your property's value -- not just you saying how much your house is worth. Interested buyers assume that you have an emotional attachment to your home and will be far more likely to give credibility to a seasoned appraiser's value judgement than yours.
Challenging a property tax assessmentLet's say you live in a region that's going down -- your local tax assessor may have your house overvalued. This only means you're paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the quicker you take care of a matter like this, the better off you'll be. Getting an appraisal report from Michael Hodges Appraisals, Inc. is your perfect weapon when contesting your property tax assessment.
Need to remove PMI?PMI stands for Private Mortgage Insurance. An attractive way to cut expenses for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is below 80% of the value of your property, 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. Michael Hodges Appraisals, Inc. is qualified in helping consumers just like you dismiss unwanted and unneeded PMI insurance.
HELOC recently frozen?Even if your specific property has not declined in value, your lender might just choose to automatically freeze your home equity line of credit (HELOC) if your home is in or near a declining area. Not only can this be difficult 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. Michael Hodges Appraisals, Inc. can help you reinstate your home equity line of credit with an expert appraisal.
Need Field and Desktop Appraisal Review Services?Would you like a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you want a professional to double-check your appraisal for accuracy? Michael Hodges Appraisals, Inc. offers field reviews where we go out and check the subject and comps in question. 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.
Do you need a retrospective review of an appraisal? Michael Hodges Appraisals, Inc. can help you with that. While typically requested by banks, you may need to make use of this service if you suspect mortgage fraud related to your home.