Need an appraisal in Bend or Deschutes County?
See the top reasons OR homeowners use Genesis Appraisal Group:
Own a home in or near Bend, OR and need help deciding the price of it?
At Genesis Appraisal Group, we understand the particular needs of a customer looking for appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like banks, lawyers, and CPAs. 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 document our findings.
For Sale By Owner (FSBO)/Pre-Listing Services
It's very hard to be objective about your own home because you probably have an emotional attachment to it. Professional appraisers, like the ones at Genesis Appraisal Group, are objective. We'll tell you what you need to know, not just what you want to hear. A professional appraisal is a very important negotiating tool once you have an interested buyer, in addition to helping you set a realistic selling price so your property will attract buyers. The appraisal is something concrete to show your buyer. The appraisal is an independent third party's opinion of your property's value, 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 far more likely to give credibility to an experienced appraiser's value report than yours.
Need to remove PMI?
PMI stands for Private Mortgage Insurance. An attractive way to save money for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan amount is 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. At Genesis Appraisal Group, we're seasoned in helping consumers just like you rid themselves of unwanted and unneeded PMI insurance.
Challenge a property tax assessment
Lets say your house is not appreciating as much as other houses close to yours -- your local tax assessor may have your home overvalued. That means you're going to pay more taxes than you should. The sooner you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. Getting an appraisal from Genesis Appraisal Group is your #1 weapon when contesting your property tax assessment.
HELOC recently frozen?
Even if your specific property has not declined in value, your lender just may choose to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area. This can this be inconvenient from a cash flow viewpoint, and destructive to your credit score since it may appear as though that credit line is maxed out. An appraisal from Genesis Appraisal Group can help you reinstate your HELOC.
Do You Need Field and Desktop Appraisal Review Services?
Would you prefer a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you need a seasoned appraiser to double-check your appraisal for verity? In a field review we'll go out and check the subject and comparables. If you're in a rush, we'll provide desk review and verify as many facts as we can using online data sources as well as our own files.
We can also provide you with a a retrospective review of any appraisal you may have had in the past. While usually requested by banks, you may want to take advantage of this service if you suspect mortgage fraud related to your house.