Need an appraisal in Tulsa or Tulsa County?
Here are the top reasons Oklahoma homeowners hire Bales Appraisals:
At Bales Appraisals, we understand the particular needs of a homeowner after appraisal services. Our business practices and reporting formats are relatively routine to our business clients like lenders, attorneys, and accountants. Being a homeowner that ordinarily doesn't look at appraisals on a regular basis, we'll be sure you get extra guidance and explanations through the appraisal process to understand what we do and how we report the results of our analysis.
For-Sale-by-Owner (FSBO) / Pre-Listing ServicesSince you have an emotional attachment to your own house, it's often very hard to be objective about it. Our professional appraisers at Bales Appraisals 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 home will attract buyers, a professional appraisal is very important as a negotiating tool once you have an attainable buyer. It's something concrete to show the buyer. It's an independent third party's opinion of your house's value, and not just how much your house is worth. Potential buyers assume that you have an emotional attachment to your home and will be more likely to give credibility to an experienced appraiser's value conclusion than yours.
Challenging a property tax assessmentLet's say you live in an area that is going down -- your local tax assessor may have your house overvalued. This only means you're most likely paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the faster you take care of things like this, the better. When contesting your property tax assessment, getting an appraisal from Bales Appraisals is your number one weapon.
Appraisals to cancel PMIA 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 amount is down 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. At Bales Appraisals, we're veterans in helping clients just like you rid themselves of unwanted PMI insurance.
HELOC recently frozen?Your lender might just decide to automatically freeze your home equity line of credit (HELOC) if your property is near a declining area -- even if your specific property has not declined in value. Not only can this be unsuitable from a cash flow standpoint, but it can be destructive to your credit score since it may appear as though that credit line is maxed out. Bales Appraisals can provide you with a professional appraisal to help you reinstate your HELOC.
Do You Need Field and Desktop Appraisal Review Services?Have you just been handed a copy of your appraisal and you'd like to have a seasoned professional double-check it for preciseness or do you want a second opinion without the charge and delay of waiting for a whole new appraisal? An appraiser from Bales Appraisals can go out and check the subject and comps in a field review. Or, if you're 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 a retrospective review of any appraisal you may have had done before. While usually requested by banks, you may desire to make use of this service if you suspect mortgage fraud related to your house.