Appraisal services for Vancouver and Clark County homeowners
See the top 7 reasons Washington homeowners order from Ashcroft and Associates:
At Ashcroft and Associates, we understand the individual needs of a homeowner in need of appraisal services. While our typical business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.
Pre-listing Services/For Sale by Owner (FSBO)Since you have an emotional attachment to your home, it's often very hard to be objective about it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic selling price so your home will attract interested buyers, a professional appraisal is very important as a negotiating tool once you have an attainable buyer. It's something concrete to show the buyer. The appraisal is an independent third party's opinion of your house's market value, not just you saying how much your house is worth. Interested buyers know you have an emotional attachment to your home and will be much more likely to give credibility to an experienced appraiser's value assessment than yours.
Challenging a property tax assessmentLet's say you live in a region that is declining -- your local tax assessor may have your home overvalued. This means you are paying higher taxes than you should be paying. The earlier you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. An appraisal from Ashcroft and Associates is your best weapon when contesting your property tax assessment.
Appraisals to cancel PMIPMI stands for Private Mortgage Insurance. An attractive money saver for homeowners is to get the PMI eliminated 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 property, 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. Ashcroft and Associates is experienced in helping people just like you abolish unneeded PMI insurance.
Recently got a freeze to your HELOC?Your lender just might decide to automatically freeze your home equity line of credit (HELOC) if your property is in or near a declining area -- even if your specific property has not declined in value. Not only can this be difficult and inconvenient from a cash flow viewpoint, but it can be bad for your credit score since it may appear as though that credit line is maxed out. Ashcroft and Associates can help you reinstate your HELOC.
Do You Need Field and Desktop Appraisal Review Services?Have you just received a copy of your appraisal and you'd prefer to have an expert double-check it for efficiency or do you need 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 comparables in a field review. Or, if you're in a rush, we can 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 report you may have in your possession. Although most review work is commissioned by lenders, homeowners that have reason to believe they've been the victim of mortgage fraud are wise to invest in a second opinion.