Attention homeowners in Saint Charles and Saint Louis County: Get an Appraisal today!

Here are the top seven reasons why MO homeowners use Sho Me Appraisal Services:

Find the right listing price (whether they're selling the home themselves or using an agent)
Challenge Saint Louis county's assessment of your property
To lower their mortgage payment by removing PMI
To reinstate their Home Equity Line of Credit (or HELOC)
To review a different appraiser's report for verification
In the case of a MO divorce, where real estate property needs to be divided
To settle an estate in MO by determining the true market value of real estate in question

Do you own a home in or near Saint Charles? Do you need help deciding the value of your real estate?
Contact Sho Me Appraisal Services.

We at Sho Me Appraisal Services understand the special needs of a customer after 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)

It's very hard to be objective about your house because you most likely have an emotional attachment to it. The professional appraisers at Sho Me Appraisal Services 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 a likely buyer, in addition to helping you set a realistic price to sell at so your property will attract many interested buyers. It gives you something concrete to show the buyer. An appraisal is an independent third party's opinion of your property's price -- not just you saying how much your home is worth. Potential buyers assume you have an emotional attachment to your home and will be much more likely to give credibility to a seasoned appraiser's value opinion than yours.

PMI Removal Appraisals

PMI stands for Private Mortgage Insurance. A preferred way to cut costs for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount is down below 80% of the value of your property, in most cases you can apply to your lender to have the PMI removed from your loan, which will make your monthly payments go down. We're experienced in helping homeowners just like you remove undesirable PMI insurance.

Challenge a property tax assessment

Your local tax assessor may have your house overvalued if your house is not appreciating as much as other properties nearby. That means you are 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 things like this, the better off you'll be. An appraisal report from Sho Me Appraisal Services is your chief weapon when challenging your property tax assessment.

HELOC recently frozen?

If your house is close to a declining area, your lender might 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 unsuitable 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. Sho Me Appraisal Services can provide you with an expert appraisal to help you reinstate your home equity line of credit.

Do You Need Field and Desktop Appraisal Review Services?

Have you just accepted a copy of your appraisal and you would prefer to have a seasoned appraiser double-check it for preciseness or do you desire a second opinion without the charge and delay of waiting for a whole new appraisal? Sho Me Appraisal Services offers field reviews where we'll go out and check the subject and comparables in question. Or, if you need it ASAP, 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? Sho Me Appraisal Services can We can assist you. While typically requested by banks, you may want to make use of this service if you suspect mortgage fraud related to your property.