Real estate appraisal services for homeowners in the city of Eldora and Hardin County

The top 7 reasons IA homeowners use T.H.E. Appraisers:

Find the right listing price (whether you're using an agent or selling the home on your own)
Challenge property tax assessments
Remove PMI to reduce your monthly mortgage payment
Reinstate your Home Equity Line of Credit (or HELOC)
To review another appraiser's report for verification
If real estate needs to be divided because of a divorce
Determine the true market value of real estate in question to settle an estate in Hardin county or IA

Do you own a house in or near Eldora? Do you need help determining the value of your real estate?
Contact T.H.E. Appraisers.

At T.H.E. Appraisers, we understand the unique needs of a consumer looking for appraisal services. Our regular business clients get the appraisal process and the standard reporting formats. But as a consumer,you'll receive extra guidance and explanations through the appraisal process to understand what we do and how we present our findings.

For Sale By Owner/Pre-Listing Services

Since you have an emotional attachment to your home, it's often very hard to be objective about it. Our professional appraisers at T.H.E. Appraisers are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. A professional appraisal is a very important negotiating tool once you have a potential buyer, in addition to helping you set a realistic price to sell at 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 home's value, not just how much your home is worth. Potential buyers assume that you have an emotional attachment to your home and will be much more likely to give credibility to an experienced appraiser's value opinion than yours.

Appraisals to cancel PMI

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is an attractive way to cut expenses for homeowners. Your monthly payments will go down 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 canceled from your loan. We're experienced in helping homeowners just like you dismiss unnecessary 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. This only means you are paying higher taxes than you should be paying. The earlier 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 expert appraisal from T.H.E. Appraisers is your #1 weapon when contesting your property tax assessment.

Was your HELOC recently frozen?

If your property is near a declining area, your lender may make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be annoying from a cash flow angle, but it can be unfavorable to your credit score since it may appear as though that credit line is maxed out. An expert appraisal from T.H.E. Appraisers can help you reinstate your HELOC.

We Provide Field and Desktop Appraisal Review Services

Have you just been given a copy of your appraisal and you would prefer to have a professional double-check it for accuracy or do you desire a second opinion without the expense and delay of waiting for a whole new appraisal? An appraiser from T.H.E. Appraisers can go out and check the subject and comps in question in a field review. If you're in a hurry, 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 report? We can help with that too. Even though this is usually requested by banks, you may need to employ this service if you suspect mortgage fraud related to your property.