Need an appraisal in Ardmore or Marshall County?
Here are the top reasons OK homeowners hire Nancy J. Shilling Real Estate Appraisals:
Own a home in or near Ardmore, OK and need help determining the price of it?
We at Nancy J. Shilling Real Estate Appraisals understand the individual needs of a homeowner after appraisal services. While our typical business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.
Pre-listing Services/For Sale By Owner (FSBO)
It's very hard to be objective about your home because you most likely have an emotional attachment to 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 property will attract buyers, a professional appraisal is very valuable as a negotiating tool once you have an attainable buyer. It's something concrete to show your 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 you have an emotional attachment to your house and will be far more likely to give credibility to an accomplished appraiser's value assessment than yours.
Appraisals to cancel PMI
Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a fashionable money saver for homeowners. Your monthly payments will go down 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. We're qualified in helping customers just like you abolish unneeded PMI insurance.
Challenge Tax Assessment
Your local tax assessor may have your house overvalued if your home not appreciating as much as other houses close to yours. That means you are going to pay more taxes than you should. The faster you take care of things like this, the better, since your property assessment may likely go up again in the next period. An expert appraisal from Nancy J. Shilling Real Estate Appraisals is your best weapon when challenging your property tax assessment.
HELOC recently frozen?
If your home is in a declining area, your lender just may choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be unfavorable to your credit score since it may appear as though that credit line is maxed out, and also difficult and inconvenient from a cash flow viewpoint. Nancy J. Shilling Real Estate Appraisals can help you reinstate your HELOC.
Do You Need 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? Nancy J. Shilling Real Estate Appraisals offers field reviews where we'll go out and check the subject and comps in question. Or, if you need it ASAP, we can 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 you may have had done before. While usually requested by banks, you may desire to use this service if you suspect mortgage fraud related to your house.