Real estate appraisal services for homeowners in the city of Saint Louis and Saint Louis County
The top reasons MO homeowners call on Vatterott Appraisal:
Need help determining the price of your house in or near Saint Louis, MO?
We at Vatterott Appraisal understand the unique needs of a consumer looking for appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like banks, attorneys, and accountants. But as a consumer,you can expect extra guidance and explanations through the appraisal process to better understand what we do and how we present our conclusions.
Pre-listing Services/For Sale By Owner
Since you have an emotional attachment to your house, it's often very hard to be objective about it. Our professional appraisers at Vatterott Appraisal are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. A professional appraisal is a crucial negotiating tool once you have a likely buyer, in addition to helping you set a realistic price to sell at so your property will attract interested buyers. It's something tangible to show your buyer. The appraisal is an independent third party's opinion of your home's price, not just how much 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 an accomplished appraiser's value opinion than yours.
Appraisals to cancel PMI
PMI stands for Private Mortgage Insurance. A preferred money saver for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is less than 80% of the value of your home, in most cases you can apply to a lender to have the PMI removed from your loan, which will make your monthly payments go down. Vatterott Appraisal is veterans in helping folks just like you dismiss unneeded PMI insurance.
Challenge Saint Louis county's assessment of your property
Your local tax assessor may have your house overvalued if you live in a region that's going down or not appreciating as much as other properties close by. This means you're most likely paying higher taxes than you should be paying. 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. A professional appraisal from Vatterott Appraisal is your perfect weapon when challenging your property tax assessment.
Was your HELOC recently frozen?
Even if your specific property has not declined in value, your lender may make the decision to automatically freeze your home equity line of credit (HELOC) if your house is in a declining area. This can be be negative on 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. An expert appraisal from Vatterott Appraisal can help you reinstate your HELOC.
We Also Provide Field and Desktop Appraisal Review Services
Have you just received a copy of your appraisal and you'd prefer to have a seasoned expert double-check it for preciseness or do you want a second opinion without the expense and delay of waiting for a whole new appraisal? Vatterott Appraisal offers field reviews where we'll go out and check the subject and comps. If you need it 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 you with a a retrospective review of any appraisal report you may have in your possession. While typically requested by banks, you may want to make use of this service if you suspect mortgage fraud related to your house.