Appraisal services for St Louis and Saint Louis County homeowners
The top reasons MO homeowners use The August Group Inc.:
Own a house in or near St Louis, MO and need help deciding the value of it?
We at The August Group Inc. understand the special needs of a consumer seeking appraisal services. Our business practices and reporting formats are familiar to our business clients like banks, attorneys, and CPAs. Being a homeowner 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 clearly understand what we do and how we document our conclusions.
For-Sale-By-Owner (FSBO) / Pre-Listing Services
It's very hard to be objective about your home because you probably have an 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 a crucial 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 your buyer. It's an independent third party's opinion of your property's value, and not just you saying how much your home is worth. Interested buyers assume that you have an emotional attachment to your home and will be much more likely to give credibility to a professional appraiser's value judgement than yours.
Need to remove PMI?
A fashionable way to save money for homeowners is to get the PMI removed 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. The August Group Inc. is experienced in helping clients just like you rid yourselves of unwanted and unneeded PMI insurance.
Challenging Saint Louis county's assessment of your property
If you live in an area that is declining or is not appreciating as much as other houses close to yours, your local tax assessor may have your home overvalued. This only means you are going to pay higher taxes than you should be paying. The sooner you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. A professional appraisal from The August Group Inc. is your best weapon when challenging your property tax assessment.
Was your HELOC recently frozen?
Your lender may decide to automatically freeze your home equity line of credit (HELOC) if your property is in a declining area -- even if your specific property has not declined in value. Not only can this be inconvenient from a cash flow point of view, but it can be negative on your credit score since it may appear as though that credit line is maxed out. The August Group Inc. can help you reinstate your home equity line of credit with efficient appraisal.
Need Field and Desktop Appraisal Review Services?
Have you just been given a copy of your appraisal and you'd wish to have a seasoned expert double-check it for accuracy or do you want a second opinion without the added cost and delay of waiting for a whole new appraisal? An appraiser from The August Group Inc. can go out and check the subject and comps in a field review. 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.
Need a retrospective review of an appraisal report? We can help you with that Even though this is typically requested by banks, you may need to use this service if you suspect mortgage fraud related to your house.