Real estate appraisal services for homeowners in the city of Dillon and Beaverhead County
Check out the top seven reasons why Montana homeowners call on McIsaac Appraisals:
At McIsaac Appraisals, we 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 lenders, attorneys, and accountants. As our client, we will provide you with extra guidance and explanations through the appraisal process to understand what we do and how we report the results of our analysis.
For Sale by Owner/Pre-Listing ServicesIt's very hard to be objective about your own house because of your emotional attachment to it. Our professional appraisers at McIsaac Appraisals are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. In addition to helping you set a realistic price to sell at so your home will attract buyers, a professional appraisal is very crucial as a negotiating tool once you have a potential buyer. It gives you something concrete to show your 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 home and will be much more likely to give credibility to a professional appraiser's value conclusion than yours.
Challenge property tax assessmentsIf you live in a region that is going down or not appreciating as much as other houses nearby, your local tax assessor may have your home overvalued. That only means you are probably paying more taxes than you should. The quicker you take care of things like this, the better, since your property assessment may likely go up again in the next period. Getting a professional appraisal from McIsaac Appraisals is your chief weapon when challenging your property tax assessment.
Need to remove PMI?Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a preferred way to cut expenses for homeowners. Your monthly payments will go down once your mortgage loan amount 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. At McIsaac Appraisals, we're seasoned in helping clients just like you remove unnecessary PMI insurance.
Recently got a freeze to your HELOC?Your lender might decide to automatically freeze your home equity line of credit (HELOC) if your house is close to a declining area -- even if your specific property has not declined in value. This can be difficult and inconvenient from a cash flow point of view, and bad for your credit score since it may appear as though that credit line is maxed out. An efficient appraisal from McIsaac Appraisals can help you reinstate your HELOC.
Field and Desktop Appraisal Review ServicesHave you just gotten a copy of your appraisal and you would wish to have an expert double-check it for preciseness or do you want a second opinion without the added cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in question in a field review. Or, if you're in a hurry, 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.
Do you need a retrospective review of an appraisal report? We can help with that too. Although most appraisal reviews are commissioned by lenders for quality control, homeowners suspecting they've been the victim of mortgage fraud are prudent to invest in a second opinion.