Attention homeowners in Springfield and Greene County: Need an appraisal?

The top seven reasons MO homeowners need Stouffers Appraisal Service:

  1. Pre-listing appraisals (whether you're using a real estate agent or selling the home on your own)
  2. Challenge a property tax assessment
  3. Remove PMI to cut their mortgage payment
  4. Reinstate your Home Equity Line of Credit (or HELOC)
  5. To review another appraiser's report for verification
  6. If property needs to be divided because of a divorce
  7. Determine the true market value of real estate in question to settle an estate in Greene county or MO

Do you own a home in or near Springfield? Do you need help deciding the price of your real estate?
Contact Stouffers Appraisal Service.

At Stouffers Appraisal Service, we understand the special needs of a consumer seeking appraisal services. Our usual business clients get the appraisal process and the usual documents we provide. Being a regular homeowner that probably doesn't look at appraisals every day,we will give you extra guidance and explanations through the appraisal process to more fully understand what we do and how we present our findings.

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

It's very hard to be objective about your own house because you probably have an emotional attachment to it. Our professional appraisers at Stouffers Appraisal Service are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. In addition to helping you set a realistic price to sell at so your home will attract interested buyers, a professional appraisal is very valuable as a negotiating tool once you have an interested buyer. It's something concrete to show your buyer. It's an independent third party's opinion of your house's price, and not just you saying how much your house is worth. Interested buyers know you have an emotional attachment to your home and will be more likely to give credibility to an expert appraiser's value estimation than yours.

Appraisals to remove PMI

PMI stands for Private Mortgage Insurance. A fashionable way to cut costs for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan is less than 80% of the value of your property. In most cases you can apply to your lender to have the PMI removed from your loan. At Stouffers Appraisal Service, we're seasoned in helping customers just like you rid themselves of unnecessary PMI insurance.

Challenge Tax Assessment

Your local tax assessor may have your home overvalued if you live in a local area that is declining. This only means you are most likely paying higher taxes than you should be paying. The quicker 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. When challenging your property tax assessment, getting an appraisal from Stouffers Appraisal Service is your chief weapon.

HELOC recently frozen?

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

We Provide Field and Desktop Appraisal Review Services

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

Need a retrospective review of an appraisal? We can help with that too. Even though this is usually requested by banks, you may want to employ this service if you suspect mortgage fraud related to your home.