Attention homeowners in State Center and Marshall County: Need an appraisal?

See the top 7 reasons why IA homeowners need L & L Appraisal Service:

  1. Pre-listing appraisals (whether they're selling the home themselves or using an agent)
  2. Challenge Marshall county's assessment of your property
  3. Remove PMI to lower a mortgage payments
  4. Reinstate your Home Equity Line of Credit (HELOC)
  5. Review another appraiser's report for verification
  6. In the case of a IA divorce, where real estate needs to be divided
  7. Determine the true market value of real estate in question to settle an estate in Marshall county or IA

Do you own a home in or near State Center? Do you need help deciding the price of your real estate?
Contact L & L Appraisal Service.

At L & L Appraisal Service, we understand the unique needs of a homeowner looking for appraisal services. Our usual business clients are used to the appraisal process and the customary documents we provide. But as a general consumer,you will receive extra guidance and explanations through the appraisal process to better understand what we do and how we present the results of our analysis.

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. 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 a very valuable negotiating tool once you have an attainable buyer, in addition to helping you set a realistic price to sell at so your house will attract many interested buyers. The appraisal is something tangible to show your buyer. The 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 know you have an emotional attachment to your house and will be far more likely to give credibility to an accomplished appraiser's value report than yours.

Appraisals to cancel PMI

A fashionable way to cut expenses for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Your monthly payments will go down once your mortgage loan amount is down below 80% of the value of your home. In most cases you can apply to the lender to have the PMI removed from your loan. We're experts in helping consumers just like you abolish unneeded and unwanted PMI insurance.

Challenging a property tax assessment

Your local tax assessor may have your house overvalued if you live in an area that is declining. That only means you're most likely 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. A professional appraisal from L & L Appraisal Service is your chief weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender might make the decision to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area. This can this be difficult and inconvenient from a cash flow standpoint, and detrimental to your credit score since it may appear as though that credit line is maxed out. L & L Appraisal Service can help you reinstate your home equity line of credit with a professional appraisal.

Need Field and Desktop Appraisal Review Services?

Have you just accepted a copy of your appraisal and you'd wish to have a veteran appraiser double-check it for preciseness or do you want a second opinion without the added expense and delay of waiting for a whole new appraisal? An appraiser from L & L Appraisal Service can go out and check the subject and comparables in a field review. If you're in a rush, 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? L & L Appraisal Service can help you with that. Even though this is usually requested by banks, you may want to utilize this service if you suspect mortgage fraud related to your house.