Appraisal services for SHOW LOW and Navajo County homeowners
The top seven reasons Arizona homeowners need Sean Comerford:
At Sean Comerford, we understand the special needs of a consumer seeking appraisal services. While our typical 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)Since you have an emotional attachment to your house, it's often very hard to be objective about it. The professional appraisers at Sean Comerford 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 a potential buyer, in addition to helping you set a realistic selling price so your property will attract buyers. The appraisal is something tangible to show your buyer. An appraisal is an independent third party's opinion of your home's price -- not just you saying how much you think 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 professional appraiser's value judgement than yours.
Challenge property tax assessmentsYour local tax assessor may have your home overvalued if you live in a local area that is going down or not appreciating as much as other houses nearby. This means you're going to pay 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. When challenging your property tax assessment, getting a professional appraisal from Sean Comerford is your best weapon.
Need to cancel PMI?A popular way to cut expenses for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan is less than 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 are experts in helping folks just like you abolish undesirable PMI insurance.
HELOC recently frozen?Your lender might make the decision to automatically freeze your home equity line of credit (HELOC) if your property is in a declining area -- even if your specific property has not declined in value. This can be disadvantageous from a cash flow viewpoint, and negative on your credit score since it may appear as though that credit line is maxed out. Sean Comerford can help you reinstate your HELOC.
We Provide Field and Desktop Appraisal Review ServicesWould you like a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you want a seasoned expert to double-check your appraisal for accuracy? Sean Comerford offers field reviews where we'll go out and check the subject and comps. If you're in a rush, we'll provide 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 in your possession. Although most review work is requested by lenders, homeowners suspecting they've been the victim of mortgage fraud are prudent to invest in a second opinion.