THE TOP 7 REASONS HOMEOWNERS CONTACT US FOR HOME APPRAISALS

  1. Pre-listing Appraisals – Whether selling with an agent or on your own, an appraisal helps set the right price.
  2. Challenging Property Tax Assessments – Homeowners seek appraisals to contest their county’s property valuation.
  3. Private Mortgage Insurance (PMI) Removal – Lower your mortgage payments by proving sufficient home equity.
  4. Reinstating a Home Equity Line of Credit (HELOC) – Lenders often require an updated appraisal before renewing a HELOC.
  5. Verification of Another Appraisal Report – Get a second opinion to ensure accuracy and fairness.
  6. Property Division in Divorce Cases – Accurate valuation is crucial for equitable asset distribution.
  7. Estate Settlements – Determine the true market value of a property for inheritance and legal purposes.

Pre-listing Services/For Sale by Owner

Since you have an emotional attachment to your home, it can be difficult to assess its value objectively. That’s where The Appraising Group comes in. Our professional appraisers provide an unbiased, accurate valuation—telling you what you need to know, not just what you want to hear.

A professional appraisal is a powerful negotiating tool once you have an interested buyer, helping you set a realistic price that attracts serious offers. It also gives you something tangible to show potential buyers. They know you’re emotionally invested in your home, which is why they’re more likely to trust an independent appraiser’s expert valuation over your own estimate.

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Do you own a home and need help to ascertain fair market value?

At The Appraising Group, we understand the unique needs of homeowners seeking appraisal services. While our business clients—such as banks, lawyers, and accountants—are familiar with our processes, we take extra care to guide you through every step. As our client, you’ll receive clear explanations and personalized support to help you fully understand the appraisal process and our findings.

Challenge county assessment of your property

Your local tax assessor may have overvalued your home, meaning you could be paying more in property taxes than necessary. And since property assessments tend to rise over time, addressing the issue sooner rather than later can save you money in the long run. When contesting your property tax assessment, a professional appraisal report from The Appraising Group is your most powerful tool.

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Appraisals to cancel PMI

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is an attractive money saver for homeowners. Your monthly payments will go down once your mortgage loan 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. We are experts in helping customers just like you get rid of unwanted and unneeded PMI insurance.

HELOC Reinstatement Assistance

Has your home equity line of credit (HELOC) recently been frozen? Even if your property’s value has remained stable, lenders may automatically freeze HELOCs if your home is located near an area with declining property values. This can create cash flow challenges and potentially impact your credit score by making it appear as though your credit line is maxed out.

The Appraising Group can assist you in reinstating your HELOC with a professional appraisal that accurately reflects your property’s current market value.

Appraisal Review Services

In need of a second opinion without the cost and delay of a full appraisal? Our appraisal review services are designed to ensure accuracy and provide you with peace of mind:

  • Field Review: Our appraisers conduct on-site inspections to verify property details and comparable sales for accuracy and credibility.
  • Desktop Review: For a faster solution, we offer desk reviews, utilizing reliable online data sources and our internal records to confirm key property information.

Retrospective Appraisal Review

If you require a review of a previous appraisal report, we can assist with that as well. While this service is often requested by financial institutions, it can also be beneficial for homeowners who suspect discrepancies or mortgage fraud.

Contact The Appraising Group today to learn how our appraisal and review services can support your financial needs.

Quality Appraisal Reviews with The Appraising Group

According to the Federal Reserve, “financial institutions must have an effective, independent real estate appraisal and evaluation program.” It is expected that appraisers conducting reviews “have the knowledge and expertise to assess compliance with the Federal Reserve’s appraisal regulations and guidelines.” At The Appraising Group, we provide objective, efficient, and professional appraisal review services that align with these regulations.

Comprehensive Appraisal Review Solutions

A quality appraisal review should identify:

  • Whether the original appraisal or evaluation is relevant to the transaction.
  • The potential risks involved in the transaction.
  • Whether the appraisal process ensures independence and meets quality standards.

Reviews must also confirm that the appraisal or evaluation report complies with the letter of engagement, which defines the scope of the assignment. The Federal Reserve further recommends that some banks conduct post-funding evaluations for higher-risk or higher-value transactions to help identify potential valuation issues.

Our Review Services

In addition to following our clients’ review practices and guidelines, we are experienced with the four primary Fannie Mae forms commonly used for appraisal reviews:

  • Desk Review: A streamlined assessment using available data sources to verify key property details.
  • Field Review: An in-depth, on-site inspection of the property and comparable sales.
  • Short Form Review: A concise evaluation addressing essential appraisal elements.
  • Narrative Review: A comprehensive, detailed analysis of the appraisal report.

At The Appraising Group, our team is fully qualified to handle all types of appraisal reviews and adheres to the Uniform Standards of Professional Appraisal Practice (USPAP). We understand what defines a quality appraisal, common industry pitfalls, and the unique characteristics of our local market.

You can trust The Appraising Group to provide professional, unbiased, and ethical appraisal review services. Contact us today to learn more about our expertise and how we can assist with your appraisal review needs.