Real estate appraisal services for homeowners in the city of Richmond Heights and Saint Louis County

Here are the top 7 reasons MO homeowners hire Allen Appraisal Service:

  1. Get a pre-listing appraisal (whether they're selling the home themselves or using an agent)
  2. To challenge a MO property tax assessment
  3. Remove PMI to cut your mortgage payment
  4. To reinstate your Home Equity Line of Credit (or HELOC)
  5. To review a different appraiser's report for verification
  6. In the case of a MO divorce, where real estate needs to be divided
  7. To settle an estate in Saint Louis county or MO by determining the true market value of property in question

Need help deciding the value of your home in or near Richmond Heights, MO?
Contact Allen Appraisal Service.

At Allen Appraisal Service, we understand the special needs of a homeowner in need of appraisal services. Our customary business clients get the appraisal process and the standard reporting formats. But as a consumer,you will receive 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 own home because you most likely have an emotional attachment to it. Our professional appraisers at Allen Appraisal Service are objective. We won't just tell you what you want to hear, we will tell you what you need to know. A professional appraisal is a very important negotiating tool once you have a likely buyer, in addition to helping you set a realistic price to sell at so your property will attract buyers. The appraisal is something tangible to show the buyer. An appraisal is an independent third party's opinion of your home's value -- not just how much you think your home is worth. Interested buyers know that you have an emotional attachment to your home and will be much more likely to give credibility to a professional appraiser's value assessment than yours.

Appraisals to remove PMI

A fashionable way to save money for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Your monthly payments will go down once your mortgage loan amount is down below 80% of the value of your property. In most cases you can apply to your lender to have the PMI eliminated from your loan. At Allen Appraisal Service, we're experienced in helping customers just like you remove unnecessary PMI insurance.

Challenging a property tax assessment

Your local tax assessor may have your house overvalued if you live in a local area that's declining. This 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 sooner you take care of things like this, the better off you'll be. Getting an expert appraisal from Allen Appraisal Service is your strongest weapon when challenging your property tax assessment.

Recently got a freeze your HELOC?

If your house is in or near a declining area, your lender might just decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be disadvantageous from a cash flow viewpoint, but it can be harmful to your credit score since it may appear as though that credit line is maxed out. Allen Appraisal Service can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Do you need a veteran appraiser to double-check your appraisal for accuracy, or do you desire a second opinion without the added 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. If you need it immediately, we'll 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 a retrospective review of any appraisal report you may have in your possession. Even though this is typically requested by banks, you may desire to exercise this service if you suspect mortgage fraud related to your property.