Need an appraisal in Waterloo or Black Hawk County?

Here are the top seven reasons IA homeowners need Valuation Services, Inc.:

To get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
To challenge a IA property tax assessment
To lower your monthly mortgage payment by removing PMI
Reinstate their Home Equity Line of Credit (HELOC)
Review another appraiser's report for verification
In the case of a IA divorce, when real estate property needs to be divided
To settle an estate in Black Hawk county or IA by determining the true market value of real estate in question

Own a house in or near Waterloo, IA and need help determining the value of it?
Contact Valuation Services, Inc..

We at Valuation Services, Inc. understand the unique needs of a homeowner after appraisal services. Our business practices and reporting formats are familiar to our business clients like banks, attorneys, and accountants. Being a regular person not in the real estate industry that most likely doesn't look at appraisals every day,we'll be sure you get extra guidance and explanations through the appraisal process to more fully understand what we do and how we present our findings.

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. Our professional appraisers at Valuation Services, Inc. are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. In addition to helping you set a realistic selling price so your property will attract many interested buyers, a professional appraisal is very crucial as a negotiating tool once you have an attainable buyer. The appraisal is something concrete to show the buyer. The appraisal is an independent third party's opinion of your house's value, not just you saying how much you think your house is worth. Interested buyers assume you have an emotional attachment to your house and will be far more likely to give credibility to a professional appraiser's value conclusion than yours.

Appraisals to cancel PMI

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a preferred money saver for homeowners. Your monthly payments will go down once your mortgage loan amount is less than 80% of the value of your home. In most cases you can apply to the lender to have the PMI removed from your loan. Valuation Services, Inc. is experienced in helping folks just like you delete unwanted PMI insurance.

Challenging Black Hawk county's assessment of your property

Your local tax assessor may have your house overvalued if you live in an area that is declining. This only means you're probably 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 Valuation Services, Inc. is your perfect weapon.

HELOC recently frozen?

If your property is near a declining area, your lender just might choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be unfavorable to your credit score since it may appear as though that credit line is maxed out, and also annoying from a cash flow point of view. Valuation Services, Inc. can provide you with an expert appraisal to help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Have you just accepted a copy of your appraisal and you'd prefer to have a seasoned professional double-check it for efficiency or do you need a second opinion without the cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in question in a field review. 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.

We can also provide you with a a retrospective review of any appraisal you may have in your possession. Even though this is typically requested by banks, you may wish to take advantage of this service if you suspect mortgage fraud related to your home.