Attention homeowners in Linn, Benton, Marion, Polk, and Lane Counties: Need an appraisal?

The top seven reasons why OR homeowners hire Willamette Valuations:

Get a pre-listing appraisal (whether they're selling the home on their own or using an agent)
Challenge Benton county's assessment of your property value
To cut their mortgage payment by removing PMI
To reinstate your Home Equity Line of Credit (or HELOC)
To review a different appraiser's report for verification
In the case of a OR divorce, when property needs to be divided
To determine the true market value of real estate in question to settle an estate

Do you own a house in or near Albany? Do you need help determining the price of your real estate?
Contact Willamette Valuations.

We at Willamette Valuations understand the individual needs of a homeowner seeking appraisal services. Our usual business clients are used to the appraisal process and the usual reporting formats. As our client, you will receive extra guidance and explanations through the appraisal process to 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 home because of your 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. In addition to helping you set a realistic selling price so your home will attract buyers, a professional appraisal is very valuable as a negotiating tool once you have a likely buyer. It gives you something tangible to show your buyer. An appraisal is an independent third party's opinion of your home's value -- not just you saying how much your home is worth. Interested buyers know that you have an emotional attachment to your house and will be much more likely to give credibility to an expert appraiser's value report than yours.

PMI Removal Appraisals

PMI stands for Private Mortgage Insurance. A fashionable way to save money for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is down below 80% of the value of your house, in most cases you can apply to a lender to have the PMI removed from your loan, which will make your monthly payments go down. Willamette Valuations is seasoned in helping clients just like you delete unneeded and unwanted PMI insurance.

Challenge Benton county's assessment of your property

Your local tax assessor may have your home overvalued if you live in a local area that is declining or not appreciating as much as other homes close by. That only 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 Willamette Valuations is your chief weapon when contesting your property tax assessment.

Was your HELOC recently frozen?

Your lender may just decide to automatically freeze your home equity line of credit (HELOC) if your house is in a declining area -- even if your specific property has not declined in value. This can be be damaging to your credit score since it may appear as though that credit line is maxed out, and also difficult from a cash flow viewpoint. Willamette Valuations can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Do you need a seasoned expert to double-check your appraisal for efficiency, or do you need a second opinion without the charge and delay of waiting for a whole new appraisal? Willamette Valuations offers field reviews where we'll go out and check the subject and comparables in question. If you're in a hurry, 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 done before. While usually requested by banks, you may wish to use this service if you suspect mortgage fraud related to your house.