Attention homeowners: Real estate appraisal services for in Hamilton and Ravalli County

Check out the top 7 reasons why MT homeowners hire Smith Appraisal Service:

  1. Pre-listing appraisals (whether you're using an agent or selling the home on your own)
  2. To challenge a MT property tax assessment
  3. Remove PMI to cut their mortgage payment
  4. Reinstate your Home Equity Line of Credit (HELOC)
  5. To review another appraiser's report for verification
  6. If real estate needs to be divided because of a divorce
  7. To settle an estate in Ravalli county or MT by determining the true market value of real estate in question

Need help deciding the price of your house in or near Hamilton, MT?
Contact Smith Appraisal Service.

We at Smith Appraisal Service understand the special needs of a consumer in need of appraisal services. While our typical clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of customer service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.

Pre-listing Services/For Sale By Owner

It's very hard to be objective about your own house because of your emotional attachment to it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. A professional appraisal is very valuable as a negotiating tool once you have an attainable buyer, in addition to helping you set a realistic selling price so your property will attract many interested buyers. It's something concrete to show your buyer. An appraisal is an independent third party's opinion of your property's price -- not just how much your house is worth. Interested buyers know that you have an emotional attachment to your home and will be more likely to give credibility to an experienced appraiser's value opinion than yours.

Appraisals to cancel PMI

PMI stands for Private Mortgage Insurance. An attractive way to cut expenses for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down 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. We are seasoned in helping people just like you abolish unnecessary PMI insurance.

Challenge a property tax assessment

If you live in a region that is going down or is not appreciating as much as other homes close by, your local tax assessor may have your house overvalued. That means you are most likely paying more taxes than you should. Since your property assessment may likely go up again in the next period, the earlier you take care of a matter like this, the better off you'll be. An expert appraisal from Smith Appraisal Service is your number one weapon when contesting your property tax assessment.

Recently got a freeze your HELOC?

Your lender might just choose to automatically freeze your home equity line of credit (HELOC) if your property is close to a declining area -- even if your specific property has not declined in value. This can this be troublesome from a cash flow point of view, and unfavorable to your credit score since it may appear as though that credit line is maxed out. Smith Appraisal Service can provide you with a professional appraisal to help you reinstate your home equity line of credit.

Do You Need Field and Desktop Appraisal Review Services?

Have you just received a copy of your appraisal and you would like to have a veteran appraiser double-check it for preciseness or do you desire a second opinion without the added expense and delay of waiting for a whole new appraisal? Smith Appraisal Service offers field reviews where we'll go out and check the subject and comparables in question. Or, if you're in a hurry, 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.

We can also provide a retrospective review of any appraisal you may have had done before. While typically requested by banks, you may wish to use this service if you suspect mortgage fraud related to your home.