Attention homeowners in Mesa and Maricopa County: Get an Appraisal today!
Here are the top 7 reasons why Arizona homeowners need C.S. Heaton Appraisals Inc:
At C.S. Heaton Appraisals Inc, we understand the individual needs of a customer seeking appraisal services. Our typical business clients understand the appraisal process and the standard documents we provide. As our valued client, we will provide you with 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 ServicesIt's very hard to be objective about your home because of your emotional attachment to it. The professional appraisers at C.S. Heaton Appraisals Inc will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic price to sell at so your property will attract interested buyers, a professional appraisal is very important as a negotiating tool once you have an interested buyer. It gives you something tangible to show your buyer. It's an independent third party's opinion of your property's value, and not just how much your house is worth. Potential buyers know that you have an emotional attachment to your house and will be far more likely to give credibility to an accomplished appraiser's value conclusion than yours.
Challenge a property tax assessmentYour local tax assessor may have your home overvalued if your home is not appreciating as much as other houses close by. That only means you're paying more taxes than you should. Since your property assessment may likely go up again in the next period, the quicker you take care of a matter like this, the better off you'll be. When contesting your property tax assessment, getting an expert appraisal from C.S. Heaton Appraisals Inc is your number one weapon.
Need to cancel PMI?An attractive way to save money for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan amount is less than 80% of the value of your home, 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. We are experienced in helping people just like you get rid of undesirable PMI insurance.
HELOC recently frozen?Even if your specific property has not declined in value, your lender may decide to automatically freeze your home equity line of credit (HELOC) if your property is close to a declining area. This can be negative on your credit score since it may appear as though that credit line is maxed out, and also inopportune from a cash flow point of view. C.S. Heaton Appraisals Inc can help you reinstate your home equity line of credit with efficient appraisal.
We Offer Field and Desktop Appraisal Review ServicesHave you just been given a copy of your appraisal and you would prefer to have a seasoned expert double-check it for precision or do you need a second opinion without the cost and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comparables. 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 retrospective review of any appraisal you may have in your possession. While typically requested by banks, you may wish to make use of this service if you suspect mortgage fraud related to your house.