Attention homeowners in Stockton and Cedar County: Need an appraisal?

Here are the top seven reasons MO homeowners use Catt Appraisal:

  1. Get a pre-listing appraisal (whether they're selling the home on their own or using an agent)
  2. To challenge a MO property tax assessment
  3. Remove PMI to lower your mortgage payments
  4. Reinstate your Home Equity Line of Credit (HELOC)
  5. Review a different appraiser's report for verification
  6. In the case of a MO divorce, when property needs to be divided
  7. Settle an estate in MO by determining the true market value of property in question

Do you own a home in or near Stockton? Do you need help deciding the price of your real estate?
Contact Catt Appraisal.

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

For-Sale-By-Owner (FSBO) / Pre-Listing Services

It's very hard to be objective about your home because of your emotional attachment to it. Our professional appraisers at Catt Appraisal 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 selling price so your home will attract many interested buyers, a professional appraisal is a crucial negotiating tool once you have an attainable buyer. It gives you something concrete to show your buyer. It's an independent third party's opinion of your home's value, and not just you saying how much you think your home is worth. Potential buyers know that you have an emotional attachment to your house and will be more likely to give credibility to a professional appraiser's value conclusion than yours.

Appraisals to cancel PMI

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is an attractive way to cut expenses for homeowners. Once your mortgage loan amount is down below 80% of the value of your house, in most cases you can apply to the lender to have the PMI canceled from your loan, which will make your monthly payments go down. We're qualified in helping clients just like you remove unwanted PMI insurance.

Challenging a property tax assessment

If you live in a local area that is going down or is not appreciating as much as other houses close to yours, your local tax assessor may have your home overvalued. That means you are going to pay more taxes than you should. Since your property assessment may likely go up again in the next period, the sooner you take care of a matter like this, the better off you'll be. When contesting your property tax assessment, getting an appraisal from Catt Appraisal is your strongest weapon.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender just may make the decision to automatically freeze your home equity line of credit (HELOC) if your home is close to a declining area. This can be be bad for your credit score since it may appear as though that credit line is maxed out, and also inopportune from a cash flow angle. A professional appraisal from Catt Appraisal can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Have you just been given a copy of your appraisal and you'd like to have a professional double-check it for verity or do you want a second opinion without the expense and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comparables in question. If you need it ASAP, 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.

Do you need a retrospective review of an appraisal? Catt Appraisal can We can assist you. Even though this is typically requested by banks, you may desire to exercise this service if you suspect mortgage fraud related to your property.