Attention homeowners: Real estate appraisal services for in Oologah and Tulsa County
Here are the top seven reasons why OK homeowners call on Ramsey Appraisals:
Own a house in or near Oologah, OK and need help determining the value of it?
We at Ramsey Appraisals understand the unique needs of a homeowner seeking appraisal services. Our usual business clients get the appraisal process and the standard reporting formats. Being a regular consumer that probably doesn't look at appraisals on a regular basis,you will receive extra guidance and explanations through the appraisal process to better understand what we do and how we document our conclusions.
For Sale By Owner (FSBO)/Pre-Listing Services
Since you have an emotional attachment to your own home, it's often very hard to be objective about it. Professional appraisers, like the ones at Ramsey Appraisals, will be objective. We will tell you what you need to know, not just what you want to hear. A professional appraisal is very important as a negotiating tool once you have a likely buyer, in addition to helping you set a realistic selling price so your house will attract buyers. It's something tangible to show the buyer. An appraisal is an independent third party's opinion of your property's price -- 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 cancel PMI?
Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a fashionable money saver for homeowners. Your monthly payments will go down 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 removed from your loan. We are experts in helping folks just like you get rid of unneeded and unwanted PMI insurance.
Challenge Tulsa county's assessment of your property
Lets say you live in a region that is declining -- your local tax assessor may have your home overvalued. That only means you are paying more taxes than you should. 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. Getting a professional appraisal from Ramsey Appraisals is your number one weapon when contesting your property tax assessment.
Was your HELOC recently frozen?
If your property is near a declining area, your lender just may choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be damaging to your credit score since it may appear as though that credit line is maxed out, and also annoying from a cash flow point of view. Ramsey Appraisals can help you reinstate your HELOC.
Do You Need Field and Desktop Appraisal Review Services?
Have you just accepted a copy of your appraisal and you would wish to have an expert double-check it 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 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.
We can also provide you with a a retrospective review of any appraisal you may have had done before. While typically requested by banks, you may desire to use this service if you suspect mortgage fraud related to your property.