Attention homeowners: Real estate appraisal services for in Blind Bay and none County
Here are the top 7 reasons why BC homeowners use Cosh Property Appraisals:
Own a home in or near Blind Bay, BC and need help deciding the value of it?
We at Cosh Property Appraisals understand the particular needs of a consumer after appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like banks, lawyers, and CPAs. Being a regular consumer that probably doesn't see an appraisal every day,you can expect extra guidance and explanations through the appraisal process to understand what we do and how we report our conclusions.
For-Sale-By-Owner (FSBO) / Pre-Listing Services
It's very hard to be objective about your own house 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. A professional appraisal is very valuable as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic selling price so your property will attract buyers. It's something tangible to show the buyer. An appraisal is an independent third party's opinion of your property's value -- not just how much your home is worth. Potential buyers know you have an emotional attachment to your home and will be much more likely to give credibility to a professional appraiser's value assessment than yours.
Appraisals to remove PMI
PMI stands for Private Mortgage Insurance. An attractive way to save money for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is down below 80% of the value of your house, 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. At Cosh Property Appraisals, we're experienced in helping homeowners just like you remove unneeded PMI insurance.
Challenging property tax assessments
Lets say you live in a region that's going down -- your local tax assessor may have your home overvalued. That means you're most likely paying 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. A professional appraisal from Cosh Property Appraisals is your perfect weapon when challenging your property tax assessment.
HELOC recently frozen?
Even if your specific property has not declined in value, your lender may just choose to automatically freeze your home equity line of credit (HELOC) if your property is in a declining area. This can this be inopportune from a cash flow viewpoint, and unfavorable to your credit score since it may appear as though that credit line is maxed out. A professional appraisal from Cosh Property Appraisals can help you reinstate your HELOC.
Do You Need Field and Desktop Appraisal Review Services?
Would you prefer a second opinion without the expense and delay of waiting for a whole new appraisal? Or do you desire a seasoned appraiser to double-check your appraisal for accuracy? Cosh Property Appraisals offers field reviews where we'll go out and check the subject and comps in question. 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 you may have had done before. While usually requested by banks, you may desire to take advantage of this service if you suspect mortgage fraud related to your house.