Appraisal services for Saint Louis and Saint Louis County homeowners
Check out the top seven reasons why Missouri homeowners order from ARK Appraisal Services, LLC:
At ARK Appraisal Services, LLC, we understand the particular needs of a customer seeking appraisal services. Our regular business clients get the appraisal process and the standard "products" we deliver to them. But as a general consumer, we'll be sure you get 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 ServicesSince you have an emotional attachment to your own home, 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. A professional appraisal is a very important negotiating tool once you have a potential buyer, in addition to helping you set a realistic selling price so your property will attract buyers. It's something concrete to show your buyer. The appraisal is an independent third party's opinion of your property's value, not just you saying how much you think your house is worth. Interested buyers know you have an emotional attachment to your house and will be far more likely to give credibility to a professional appraiser's value conclusion than yours.
Challenge Tax AssessmentYour local tax assessor may have your home overvalued if you live in an area that is declining or is not appreciating as much as other properties close by. This only means you're paying higher taxes than you should be paying. The earlier you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. An appraisal report from ARK Appraisal Services, LLC is your best weapon when contesting your property tax assessment.
Appraisals to cancel PMIAn attractive way to cut expenses for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan is below 80% of the value of your home, 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 are seasoned in helping homeowners just like you delete unwanted PMI insurance.
HELOC recently frozen?Your lender might just decide 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. This can be unfavorable to your credit score since it may appear as though that credit line is maxed out, and also disadvantageous from a cash flow viewpoint. An expert appraisal from ARK Appraisal Services, LLC can help you reinstate your HELOC.
Need Field and Desktop Appraisal Review Services?Would you like a second opinion without the added cost and delay of waiting for a whole new appraisal? Or do you desire a veteran appraiser to double-check your appraisal for efficiency? We can go out and check the subject and comparables in question in a field review. 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.
We can also provide a retrospective review of any appraisal you may have had in the past. Although most review work is commissioned by lenders, homeowners suspecting a prior appraisal wasn't above board are wise to invest in a second opinion.