Appraisal services for Pocatello and Bannock County homeowners
Here are the top reasons ID homeowners call on J P Stein & Associates:
Need help deciding the value of your home in or near Pocatello, ID?
We at J P Stein & Associates understand the special needs of a consumer after appraisal services. While our typical business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra customer 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
Since you have an emotional attachment to your house, it's often very hard to be objective about it. The professional appraisers at J P Stein & Associates will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is very valuable as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic price to sell at so your house will attract interested buyers. It gives you something concrete to show the buyer. The appraisal is an independent third party's opinion of your house's price, not just how much your home is worth. Interested buyers know you have an emotional attachment to your house and will be much more likely to give credibility to a professional appraiser's value conclusion than yours.
Need to cancel PMI?
A popular way to cut costs for homeowners is to get 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 is below 80% of the value of your house, in most cases you can apply to a lender to have the PMI canceled from your loan, which will make your monthly payments go down. We're veterans in helping folks just like you do away with undesirable PMI insurance.
Challenging property tax assessments
Your local tax assessor may have your home overvalued if you live in a local area that is declining. That means you are probably paying more taxes than you should. Since your property assessment may likely go up again in the next period, the faster you take care of a matter like this, the better. A professional appraisal from J P Stein & Associates is your strongest weapon when challenging your property tax assessment.
Was your HELOC recently frozen?
Your lender just might decide to automatically freeze your home equity line of credit (HELOC) if your home is in or near a declining area -- even if your specific property has not declined in value. This can this be annoying from a cash flow point of view, and destructive to your credit score since it may appear as though that credit line is maxed out. J P Stein & Associates can help you reinstate your HELOC.
Need Field and Desktop Appraisal Review Services?
Have you just accepted a copy of your appraisal and you'd prefer to have a seasoned expert double-check it for verity or do you need a second opinion without the cost and delay of waiting for a whole new appraisal? An appraiser from J P Stein & Associates can go out and check the subject and comps in a field review. If you need it ASAP, 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 report? J P Stein & Associates can We can assist you. While usually requested by banks, you may wish to make use of this service if you suspect mortgage fraud related to your property.