Attention homeowners in Ozark and Franklin County: Need an appraisal?

Check out the top seven reasons why AR homeowners call on Mountain Valley Appraisals:

Pre-listing appraisals (whether they're selling the home on their own or using a real estate agent)
Challenge Franklin county's assessment of your propertyworth
To lower your mortgage payment by removing PMI
Reinstate their Home Equity Line of Credit (or HELOC)
To review another appraiser's report for verification
If real estate needs to be divided because of a divorce
To determine the true market value of real estate in question to settle an estate in AR

Do you own a home in or near Ozark? Do you need help deciding the value of your real estate?
Contact Mountain Valley Appraisals.

We at Mountain Valley Appraisals understand the particular needs of a customer in need of appraisal services. Our typical business clients understand the appraisal process and the customary reporting formats. As our non-traditionalclient, we will give you extra guidance and explanations through the appraisal process to understand what we do and how we present 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. Our professional appraisers at Mountain Valley Appraisals are objective. We won't just tell you what you want to hear, we will tell you what you need to know. A professional appraisal is very crucial as a 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 gives you something concrete to show the buyer. The appraisal is an independent third party's opinion of your home's value, not just you saying how much your house is worth. Interested buyers assume that you have an emotional attachment to your home and will be more likely to give credibility to an expert appraiser's value conclusion than yours.

Appraisals to cancel PMI

A popular way to save money for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan amount is below 80% of the value of your house, in most cases you can apply to the lender to have the PMI removed from your loan, which will make your monthly payments go down. Mountain Valley Appraisals is seasoned in helping consumers just like you get rid of unneeded PMI insurance.

Challenge property tax assessments

If you live in a region that is declining or is not appreciating as much as other properties nearby, your local tax assessor may have your house overvalued. That means you're paying more taxes than you should. The quicker 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. Getting an appraisal from Mountain Valley Appraisals is your perfect weapon when challenging your property tax assessment.

Recently got a freeze your HELOC?

If your property is in a declining area, your lender may make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be difficult and inconvenient from a cash flow standpoint, but it can be damaging to your credit score since it may appear as though that credit line is maxed out. Mountain Valley Appraisals can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Have you just gotten a copy of your appraisal and you would like to have a seasoned professional double-check it for efficiency or do you want a second opinion without the added cost and delay of waiting for a whole new appraisal? An appraiser from Mountain Valley Appraisals can go out and check the subject and comparables in question in a field review. If you're 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.

Do you need a retrospective review of an appraisal? Mountain Valley Appraisals can help you with that. Even though this is usually requested by banks, you may wish to exercise this service if you suspect mortgage fraud related to your property.