Attention homeowners: Real estate appraisal services for in Ardmore and Marshall County
Check out the top reasons OK homeowners need Nancy J. Shilling Real Estate Appraisals:
Need help deciding the price of your home in or near Ardmore, OK?
We at Nancy J. Shilling Real Estate Appraisals understand the unique needs of a customer after appraisal services. The appraisal process and reporting formats are familiar to our business clients like banks, lawyers, and CPAs. But as a general consumer,we will provide you with extra guidance and explanations through the appraisal process to more clearly understand what we do and how we report the results of our analysis.
For Sale By Owner (FSBO)/Pre-Listing Services
Since you have an emotional attachment to your own house, it's often very hard to be objective about it. The professional appraisers at Nancy J. Shilling Real Estate Appraisals will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is a very important negotiating tool once you have a likely buyer, in addition to helping you set a realistic price to sell at so your house will attract buyers. It's something concrete to show your buyer. The appraisal is an independent third party's opinion of your house's price, not just you saying how much you think your home is worth. Interested buyers know you have an emotional attachment to your home and will be far more likely to give credibility to an expert appraiser's value report than yours.
Appraisals to remove PMI
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. PMI stands for "Private Mortgage Insurance". Your monthly payments will go down once your mortgage loan amount 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. We're seasoned in helping customers just like you get rid of unwanted PMI insurance.
Challenging Marshall county's assessment of your property
Your local tax assessor may have your home overvalued if you live in a local area that's going down or is not appreciating as much as other homes close to yours. 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 things like this, the better. When challenging your property tax assessment, getting an appraisal from Nancy J. Shilling Real Estate Appraisals is your best weapon.
Was your HELOC recently frozen?
If your home is in a declining area, your lender may make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be annoying from a cash flow standpoint, but it can be damaging to your credit score since it may appear as though that credit line is maxed out. Nancy J. Shilling Real Estate Appraisals can provide you with an expert appraisal to help you reinstate your home equity line of credit.
We Provide Field and Desktop Appraisal Review Services
Have you just received a copy of your appraisal and you'd like to have a seasoned appraiser double-check it for efficiency or do you desire a second opinion without the expense and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comps in question. Or, if you're in a rush, 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.
Do you need a retrospective review of an appraisal report? Nancy J. Shilling Real Estate Appraisals can help you with that. Even though this is usually requested by banks, you may desire to exploit this service if you suspect mortgage fraud related to your house.