Real estate appraisal services for homeowners in the city of St Louis and Saint Louis County
The top seven reasons why MO homeowners use The August Group Inc.:
Own a house in or near St Louis, MO and need help determining the value of it?
We at The August Group Inc. understand the unique needs of a customer seeking appraisal services. While our typical 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.
Pre-listing Services/For Sale By Owner (FSBO)
It's very hard to be objective about your own house because of your emotional attachment to it. The professional appraisers at The August Group Inc. 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 attainable buyer, in addition to helping you set a realistic price to sell at so your house will attract many interested buyers. It gives you something concrete to show the buyer. An appraisal is an independent third party's opinion of your house's price -- not just you saying 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 qualified appraiser's value conclusion than yours.
Appraisals to remove PMI
A fashionable way to save money for homeowners is getting 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 amount is 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. We are qualified in helping consumers just like you dismiss undesirable PMI insurance.
Challenging property tax assessments
If you live in a local area that is declining or not appreciating as much as other properties close to yours, your local tax assessor may have your house overvalued. This only means you're probably paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the quicker you take care of a matter like this, the better off you'll be. A professional appraisal from The August Group Inc. is your chief weapon when contesting your property tax assessment.
HELOC recently frozen?
If your house 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 this be disadvantageous from a cash flow angle, and bad for your credit score since it may appear as though that credit line is maxed out. The August Group Inc. can help you reinstate your HELOC.
We Also Offer Field and Desktop Appraisal Review Services
Do you need an expert to double-check your appraisal for precision, or do you want a second opinion without the cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables in a field review. Or, if you need it in a rush, 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 you may have had done before. Even though this is usually requested by banks, you may need to make use of this service if you suspect mortgage fraud related to your house.