Need an appraisal in Vancouver or Clark County?
See the top 7 reasons why WA homeowners call on Anderson & Associates:
Own a house in or near Vancouver, WA and need help deciding the price of it?
We at Anderson & Associates understand the special needs of a consumer in need of appraisal services. Our customary business clients get the appraisal process and the usual "products" we deliver to them. Being a homeowner that ordinarily doesn't look at appraisals every day,we'll be sure you get extra guidance and explanations through the appraisal process to better understand what we do and how we document our findings.
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 Anderson & Associates 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 an attainable buyer, in addition to helping you set a realistic price to sell at so your house will attract many interested buyers. It's something tangible to show the buyer. An appraisal is an independent third party's opinion of your home's value -- not just you saying how much you think your home is worth. Potential buyers assume that you have an emotional attachment to your house and will be much more likely to give credibility to a professional appraiser's value judgement than yours.
Need to remove PMI?
Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is an attractive way to save money for homeowners. 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 canceled from your loan, which will make your monthly payments go down. Anderson & Associates is seasoned in helping clients just like you do away with unneeded PMI insurance.
Challenging property tax assessments
Your local tax assessor may have your house overvalued if you live in a region that is declining or is not appreciating as much as other homes close by. This means you are paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the earlier you take care of a matter like this, the better. Getting an appraisal report from Anderson & Associates is your best weapon when contesting your property tax assessment.
Was your HELOC recently frozen?
Even if your specific property has not declined in value, your lender may just make the decision to automatically freeze your home equity line of credit (HELOC) if your house is in or near a declining area. Not only can this be disadvantageous from a cash flow viewpoint, but it can be damaging to your credit score since it may appear as though that credit line is maxed out. Anderson & Associates can provide you with an expert appraisal that will help you reinstate your home equity line of credit.
We Offer Field and Desktop Appraisal Review Services
Do you need a seasoned professional to double-check your appraisal for precision, or do you desire a second opinion without the added expense and delay of waiting for a whole new appraisal? Anderson & Associates offers field reviews where we'll go out and check the subject and comparables. Or, if you need it immediately, 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.
We can also provide a retrospective review of any appraisal you may have had done before. While usually requested by banks, you may wish to use this service if you suspect mortgage fraud related to your home.