Attention homeowners: Real estate appraisal services for in Caulfield and Howell County

See the top seven reasons MO homeowners order from Ryan Hamby Appraisal Services:

Pre-listing appraisals (whether they're selling the home themselves or using a real estate agent)
Challenge a property tax assessment
To lower their monthly mortgage payment by removing PMI
To reinstate their Home Equity Line of Credit (HELOC)
To review another appraiser's report for verification
If real estate needs to be divided because of a divorce
Determine the true market value of property in question to settle an estate in Howell county or MO

Own a home in or near Caulfield, MO and need help deciding the value of it?
Contact Ryan Hamby Appraisal Services.

We at Ryan Hamby Appraisal Services understand the individual needs of a customer looking for appraisal services. While our usual clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of customer service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.

For Sale By Owner/Pre-Listing Services

Since you have an emotional attachment to your own home, it's often very hard to be objective about it. Our professional appraisers at Ryan Hamby Appraisal Services are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. A professional appraisal is very crucial as a 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 buyers. The appraisal is something tangible to show the buyer. An appraisal is an independent third party's opinion of your home's price -- not just you saying how much you think your home is worth. Potential buyers know you have an emotional attachment to your home and will be far more likely to give credibility to a seasoned appraiser's value report than yours.

Need to cancel PMI?

A preferred money saver for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan 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, which will make your monthly payments go down. Ryan Hamby Appraisal Services is experts in helping clients just like you delete unwanted PMI insurance.

Challenge Tax Assessment

Your local tax assessor may have your house overvalued if your home not appreciating as much as other homes close to yours. That means you are going to pay more taxes than you should. Since your property assessment may likely go up again in the next period, the earlier you take care of a matter like this, the better. When challenging your property tax assessment, getting an appraisal from Ryan Hamby Appraisal Services is your chief weapon.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender just might decide to automatically freeze your home equity line of credit (HELOC) if your home is close to a declining area. Not only can this be troublesome 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. An expert appraisal from Ryan Hamby Appraisal Services can help you reinstate your HELOC.

We Offer Field and Desktop Appraisal Review Services

Do you need an expert to double-check your appraisal for precision, or do you desire 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 comps in question. Or, if you need it ASAP, we can 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 report? Ryan Hamby Appraisal Services can help you with that. Even though this is usually requested by banks, you may want to use this service if you suspect mortgage fraud related to your home.