Real estate appraisal services for homeowners in the city of Saint Peters and Saint Charles County
Here are the top 7 reasons MO homeowners hire Gemini Appraisal Services, LLC:
Do you own a house in or near Saint Peters? Do you need help deciding the price of your real estate?
We at Gemini Appraisal Services, LLC understand the special needs of a homeowner seeking appraisal services. Our typical business clients are used to the appraisal process and the customary reporting formats. Being a consumer that probably doesn't look at appraisals on a regular basis,you can expect extra guidance and explanations through the appraisal process to understand what we do and how we document our conclusions.
For Sale By Owner/Pre-Listing Services
It's very hard to be objective about your own home because you probably have an emotional attachment to it. The professional appraisers at Gemini Appraisal Services, LLC 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 valuable 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 home's value, not just 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 a professional appraiser's value conclusion than yours.
Appraisals to remove PMI
Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a fashionable way to cut costs for homeowners. Your monthly payments will go down once your mortgage loan amount is less than 80% of the value of your house. In most cases you can apply to the lender to have the PMI eliminated from your loan. We are seasoned in helping folks just like you get rid of unwanted PMI insurance.
Challenging a property tax assessment
Lets say you live in a local area that's going down -- your local tax assessor may have your home overvalued. This means you're most likely paying higher taxes than you should be paying. The sooner 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. When challenging your property tax assessment, getting a professional appraisal from Gemini Appraisal Services, LLC is your number one weapon.
HELOC recently frozen?
Even if your specific property has not declined in value, your lender may make the decision to automatically freeze your home equity line of credit (HELOC) if your house is close to a declining area. This can be be destructive to your credit score since it may appear as though that credit line is maxed out, and also difficult from a cash flow viewpoint. Gemini Appraisal Services, LLC can provide you with efficient appraisal to help you reinstate your HELOC.
Do You Need Field and Desktop Appraisal Review Services?
Would you like a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you need an expert to double-check your appraisal for verity? An appraiser from Gemini Appraisal Services, LLC can go out and check the subject and comparables in question in a field review. Or, if you're in a hurry, 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 a retrospective review of any appraisal report you may have had done before. While typically requested by banks, you may want to use this service if you suspect mortgage fraud related to your property.