Attention homeowners in Sullivan and Franklin County: Need an appraisal?

The top seven reasons why MO homeowners hire H & H Appraisals:

  1. Find the right listing price (whether you're using an agent or selling the home on your own)
  2. Challenge property tax assessments
  3. To cut a mortgage payment by removing PMI
  4. Reinstate their Home Equity Line of Credit (or HELOC)
  5. Review a different appraiser's report for verification
  6. In the case of a MO divorce, when real estate property needs to be divided
  7. To determine the true market value of property in question to settle an estate in Franklin County or the state of MO

Own a home in or near Sullivan, MO and need help determining the value of it?
Contact H & H Appraisals.

We at H & H Appraisals understand the special needs of a homeowner looking for appraisal services. While our typical business 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.

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

Since you have an emotional attachment to your house, it's often very hard to be objective about it. Professional appraisers, like the ones at H & H Appraisals, are objective. We will tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic selling price so your house will attract many interested buyers, a professional appraisal is a very valuable negotiating tool once you have an attainable buyer. It's something concrete to show your buyer. The appraisal is an independent third party's opinion of your property's price, not just how much you think your house is worth. Potential buyers know you have an emotional attachment to your house and will be more likely to give credibility to an expert appraiser's value estimation than yours.

Need to cancel PMI?

PMI stands for Private Mortgage Insurance. An attractive way to cut expenses for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. 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 canceled from your loan, which will make your monthly payments go down. We are qualified in helping clients just like you do away with unneeded PMI insurance.

Challenge property tax assessments

If you live in a local area that is going down or is not appreciating as much as other houses close by, your local tax assessor may have your house overvalued. This only means you're going to pay higher taxes than you should be paying. 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 appraisal report from H & H Appraisals is your best weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

If your property is in a declining area, your lender may just make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can this be inconvenient from a cash flow viewpoint, and harmful to your credit score since it may appear as though that credit line is maxed out. H & H Appraisals can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Would you prefer a second opinion without the charge and delay of waiting for a whole new appraisal? Or do you desire an expert to double-check your appraisal for efficiency? We can go out and check the subject and comparables in question in a field review. Or, if you're in a rush, 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.

Do you need a retrospective review of an appraisal report? H & H Appraisals can help with that too. While typically requested by banks, you may desire to take advantage of this service if you suspect mortgage fraud related to your property.