Attention homeowners in Paris and Logan County: Need an appraisal?
The top reasons Arkansas homeowners call on Harmon Appraisal & Consulting, LLC:
We at Harmon Appraisal & Consulting, LLC understand the particular needs of a consumer looking for appraisal services. Our business practices and reporting formats are familiar to our business clients like lenders, lawyers, and accountants. Being a person not in the real estate industry that most likely doesn't look at appraisals every day, you can expect extra guidance and explanations through the appraisal process to more clearly understand what we do and how we document our conclusions.
Pre-listing Services/For Sale by OwnerIt's very hard to be objective about your house because you most likely have an emotional attachment to it. Professional appraisers, like the ones at Harmon Appraisal & Consulting, LLC, will be objective. We will tell you what you need to know, not just what you want to hear. A professional appraisal is very important as a negotiating tool once you have a likely buyer, in addition to helping you set a realistic selling price so your house 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 value -- not just how much you think your home is worth. Potential buyers assume that you have an emotional attachment to your home and will be much more likely to give credibility to an expert appraiser's value report than yours.
Challenging a property tax assessmentIf you live in a region that is going down or not appreciating as much as other properties close to yours, your local tax assessor may have your home overvalued. This means you're going to pay higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the faster you take care of a matter like this, the better. An appraisal report from Harmon Appraisal & Consulting, LLC is your perfect weapon when contesting your property tax assessment.
Appraisals to remove PMIPMI stands for Private Mortgage Insurance. A preferred way to cut costs for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount is down below 80% of the value of your property, in most cases you can apply to a lender to have the PMI eliminated from your loan, which will make your monthly payments go down. We're qualified in helping people just like you abolish unwanted and unneeded PMI insurance.
HELOC recently frozen?Even if your specific property has not declined in value, your lender might decide to automatically freeze your home equity line of credit (HELOC) if your home is near a declining area. Not only can this be difficult and inconvenient from a cash flow angle, but it can be negative on your credit score since it may appear as though that credit line is maxed out. Harmon Appraisal & Consulting, LLC can help you reinstate your HELOC.
We Also Offer Field and Desktop Appraisal Review ServicesWould you prefer a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you want an expert to double-check your appraisal for verity? Harmon Appraisal & Consulting, LLC offers field reviews where we'll go out and check the subject and comparables in question. If you need it ASAP, 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 retrospective review of any appraisal you may have had in the past. Although most appraisal reviews are requested by lenders for quality control, homeowners suspecting they've been the victim of mortgage fraud are prudent to invest in a second opinion.