Attention homeowners: Real estate appraisal services for in Chesterfield, MO and Saint Louis County

Here are the top seven reasons why MO homeowners hire Emmenegger Appraisal Group, LLC:

Pre-listing appraisals (whether they're selling the home on their own or using an agent)
Challenge property tax assessments
Remove PMI to lower your mortgage payment
To reinstate your Home Equity Line of Credit (or HELOC)
Verify another appraiser's report
In the case of a MO divorce, where real estate property needs to be divided
Determine the true market value of real estate in question to settle an estate in MO

Own a home in or near Chesterfield, MO, MO and need help determining the value of it?
Contact Emmenegger Appraisal Group, LLC.

We at Emmenegger Appraisal Group, LLC understand the special needs of a customer seeking appraisal services. Our typical business clients understand the appraisal process and the usual "products" we deliver to them. But as a consumer,we will give you 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

It's very hard to be objective about your house because of your emotional attachment to it. Professional appraisers, like the ones at Emmenegger Appraisal Group, LLC, will be objective. We'll tell you what you need to know, not just what you want to hear. A professional appraisal is a crucial negotiating tool once you have an attainable buyer, in addition to helping you set a realistic selling price so your home 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 value, not just how much you think your home is worth. Interested buyers assume that you have an emotional attachment to your home and will be far more likely to give credibility to an expert appraiser's value estimation than yours.

Appraisals to remove PMI

A fashionable money saver for homeowners is to get the PMI eliminated 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 less than 80% of the value of your house. In most cases you can apply to your lender to have the PMI eliminated from your loan. Emmenegger Appraisal Group, LLC is experienced in helping folks just like you rid yourselves of unwanted and unneeded PMI insurance.

Challenging Saint Louis county's assessment of your property

Lets say you live in a local area that is going down -- your local tax assessor may have your house overvalued. That only means you are probably paying more taxes than you should. Since your property assessment may likely go up again in the next period, the faster you take care of a matter like this, the better off you'll be. An expert appraisal from Emmenegger Appraisal Group, LLC is your #1 weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender just might choose to automatically freeze your home equity line of credit (HELOC) if your home is close to a declining area. Not only can this be disadvantageous from a cash flow standpoint, but it can be harmful to your credit score since it may appear as though that credit line is maxed out. An expert appraisal from Emmenegger Appraisal Group, LLC can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Have you just been handed a copy of your appraisal and you'd like to have a seasoned appraiser double-check it for verity or do you desire a second opinion without the cost and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comparables. Or, if you need it immediately, 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 report you may have had done before. Even though this is typically requested by banks, you may want to exercise this service if you suspect mortgage fraud related to your property.