Attention homeowners: Real estate appraisal services for in Cottonwood and Yavapai County

Here are the top reasons AZ homeowners call on Susan Scotto Allison:

Pre-listing appraisals (whether they're selling the home on their own or using a real estate agent)
Challenge property tax assessments
To lower a monthly 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 AZ divorce, where property needs to be divided
To determine the true market value of property in question to settle an estate in Yavapai county or AZ

Do you own a home in or near Cottonwood? Do you need help deciding the value of your real estate?
Contact Susan Scotto Allison.

We at Susan Scotto Allison understand the unique needs of a consumer after appraisal services. Our business practices and reporting formats are familiar to our business clients like lenders, lawyers, and CPAs. Being a homeowner that most likely doesn't look at appraisals every day,you'll receive extra guidance and explanations through the appraisal process to more fully understand what we do and how we document our conclusions.

For Sale By Owner (FSBO)/Pre-Listing Services

Since you have an emotional attachment to your own house, it's often very hard to be objective about it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic price to sell at so your home will attract many interested buyers, a professional appraisal is a very valuable negotiating tool once you have a likely buyer. It's something tangible to show the buyer. It's an independent third party's opinion of your home's price, and not just how much you think your home is worth. Potential buyers assume that you have an emotional attachment to your house and will be far more likely to give credibility to a qualified appraiser's value judgement than yours.

Need to remove PMI?

PMI stands for Private Mortgage Insurance. A fashionable way to cut costs for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan is less than 80% of the value of your property. In most cases you can apply to your lender to have the PMI canceled from your loan. We're experts in helping consumers just like you rid themselves of unneeded PMI insurance.

Challenge Yavapai county's assessment of your property

Your local tax assessor may have your home overvalued if you live in an area that's going down. 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 earlier you take care of things like this, the better. When challenging your property tax assessment, getting an appraisal report from Susan Scotto Allison is your #1 weapon.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender may just make the decision to automatically freeze your home equity line of credit (HELOC) if your home is near a declining area. Not only can this be inconvenient from a cash flow standpoint, but it can be bad for your credit score since it may appear as though that credit line is maxed out. Susan Scotto Allison can provide you with a professional appraisal that will help you reinstate your home equity line of credit.

We Also Provide Field and Desktop Appraisal Review Services

Have you just gotten a copy of your appraisal and you'd prefer to have a seasoned appraiser double-check it for accuracy or do you desire a second opinion without the added expense and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comps. If you need it immediately, 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 a retrospective review of any appraisal you may have had done before. While typically requested by banks, you may need to take advantage of this service if you suspect mortgage fraud related to your home.