Attention homeowners: Real estate appraisal services for in St Louis and Saint Louis County
Check out the top 7 reasons MO homeowners need The August Group Inc.:
Do you own a house in or near St Louis? Do you need help deciding the value of your real estate?
We at The August Group Inc. understand the individual needs of a consumer after appraisal services. Our business practices and reporting formats are relatively routine to our business clients like lenders, attorneys, and accountants. Being a consumer that probably doesn't look at appraisals every day,we will give you extra guidance and explanations through the appraisal process to more fully understand what we do and how we present our conclusions.
For-Sale-By-Owner (FSBO) / Pre-Listing Services
Since you have an emotional attachment to your house, it's often very hard to be objective about it. Our professional appraisers at The August Group 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 price to sell at so your house will attract buyers, a professional appraisal is very valuable as a negotiating tool once you have a likely buyer. The appraisal is something concrete to show your buyer. An appraisal is an independent third party's opinion of your home's value -- not just you saying how much you think your house is worth. Potential buyers assume that you have an emotional attachment to your house and will be more likely to give credibility to a professional appraiser's value judgement than yours.
Appraisals to cancel PMI
A popular way to cut expenses for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan is down below 80% of the value of your property, in most cases you can apply to the lender to have the PMI removed from your loan, which will make your monthly payments go down. We're experienced in helping clients just like you rid themselves of unneeded and unwanted PMI insurance.
Challenging Saint Louis county's assessment of your property
If you live in a region that is going down or is not appreciating as much as other properties close by, your local tax assessor may have your house overvalued. That means you're going to pay more taxes than you should. The quicker you take care of things like this, the better, since your property assessment may likely go up again in the next period. An expert appraisal from The August Group Inc. is your best weapon when challenging your property tax assessment.
Recently got a freeze your HELOC?
Even if your specific property has not declined in value, your lender might just make the decision to automatically freeze your home equity line of credit (HELOC) if your home is in or near a declining area. This can this be inopportune from a cash flow standpoint, 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.
Do You Need Field and Desktop Appraisal Review Services?
Do you need a seasoned appraiser to double-check your appraisal for efficiency, or do you want a second opinion without the added cost and delay of waiting for a whole new appraisal? The August Group Inc. offers field reviews where we'll go out and check the subject and comparables in question. 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.
Need a retrospective review of an appraisal report? We can help with that too. While typically requested by banks, you may desire to exploit this service if you suspect mortgage fraud related to your house.