Attention homeowners in Alto and Lincoln County: Get an Appraisal today!
The top seven reasons New Mexico homeowners hire AppraiseNM:
Own a home in or near Alto, New Mexico and need help determining the value of it?
We at AppraiseNM understand the unique needs of a customer after appraisal services. Our typical business clients understand the appraisal process and the customary documents we provide. Being a regular homeowner that most likely doesn't see an appraisal every day,we'll be sure you get extra guidance and explanations through the appraisal process to more fully understand what we do and how we present 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. The professional appraisers at AppraiseNM will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is a very valuable negotiating tool once you have an attainable buyer, in addition to helping you set a realistic selling price so your property will attract interested buyers. It gives you something tangible to show the buyer. The appraisal is an independent third party's opinion of your home's price, not just you saying how much your house is worth. Interested buyers assume that you have an emotional attachment to your house and will be more likely to give credibility to an experienced appraiser's value assessment than yours.
PMI Removal Appraisals
Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a preferred way to cut costs for homeowners. Once your mortgage loan is down below 80% of the value of your property, 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. We're experts in helping consumers just like you dismiss undesirable PMI insurance.
Challenge Tax Assessment
Your local tax assessor may have your home overvalued if you live in a local area that is going down. That only means you are probably paying more taxes than you should. The quicker you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. When contesting your property tax assessment, getting a professional appraisal from AppraiseNM is your #1 weapon.
Recently got a freeze your HELOC?
Your lender might just choose to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area -- even if your specific property has not declined in value. Not only can this be disadvantageous from a cash flow angle, but it can be negative on your credit score since it may appear as though that credit line is maxed out. AppraiseNM can provide you with efficient appraisal that will help you reinstate your HELOC.
Field and Desktop Appraisal Review Services
Do you need a seasoned expert to double-check your appraisal for verity, or do you desire a second opinion without the cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in a field review. If you're 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.
We can also provide you with a a retrospective review of any appraisal report you may have had done before. While usually requested by banks, you may need to use this service if you suspect mortgage fraud related to your home.