Attention homeowners: Real estate appraisal services for in Poplar Bluff and Butler County

The top 7 reasons MO homeowners need Southern Missouri Appraisal Service:

  1. Get a pre-listing appraisal (whether they're selling the home on their own or using a real estate agent)
  2. Challenge Butler county's assessment of your property
  3. Remove PMI to cut your mortgage payment
  4. To reinstate their Home Equity Line of Credit (or HELOC)
  5. To review a different appraiser's report for verification
  6. If real estate needs to be divided because of a divorce
  7. To settle an estate in Butler county or MO by determining the true market value of property in question

Own a home in or near Poplar Bluff, MO and need help determining the value of it?
Contact Southern Missouri Appraisal Service.

We at Southern Missouri Appraisal Service understand the individual needs of a homeowner looking for appraisal services. Our business practices and reporting formats are familiar to our business clients like lenders, lawyers, and accountants. As our valued client, we will provide you with extra guidance and explanations through the appraisal process to more fully understand what we do and how we document our findings.

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

It's very hard to be objective about your home because you probably have an emotional attachment to 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 crucial negotiating tool once you have a likely buyer, in addition to helping you set a realistic selling price so your home will attract interested buyers. It gives you something concrete to show your buyer. It's an independent third party's opinion of your house's value, and not just you saying how much you think your house is worth. Potential buyers assume that you have an emotional attachment to your house and will be more likely to give credibility to a qualified appraiser's value opinion than yours.

Need to remove PMI?

PMI stands for Private Mortgage Insurance. A fashionable way to cut costs for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount is less than 80% of the value of your home, in most cases you can apply to a lender to have the PMI eliminated from your loan, which will make your monthly payments go down. Southern Missouri Appraisal Service is veterans in helping homeowners just like you rid yourselves of 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 means you're 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 things like this, the better off you'll be. An appraisal report from Southern Missouri Appraisal Service is your perfect weapon when challenging your property tax assessment.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender might decide to automatically freeze your home equity line of credit (HELOC) if your home is in or near a declining area. Not only can this be difficult from a cash flow standpoint, but it can be detrimental to your credit score since it may appear as though that credit line is maxed out. Southern Missouri Appraisal Service can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Would you like a second opinion without the charge and delay of waiting for a whole new appraisal? Or do you need a seasoned appraiser to double-check your appraisal for precision? Southern Missouri Appraisal Service offers field reviews where we go out and check the subject and comparables. If you need it 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.

We can also provide you with a a retrospective review of any appraisal report you may have had in the past. Even though this is usually requested by banks, you may need to exercise this service if you suspect mortgage fraud related to your home.