Appraisal services for Willcox and Cochise County homeowners

The top reasons AZ homeowners use Chaffey Appraisal, LLC:

Get a pre-listing appraisal (whether they're selling the home themselves or using an agent)
Challenge Cochise county's assessment of your propertyvalue
Remove PMI to reduce their monthly mortgage payment
To reinstate their Home Equity Line of Credit (HELOC)
To review another appraiser's report for verification
In the case of a AZ divorce, when real estate property needs to be divided
Determine the true market value of property in question to settle an estate

Own a house in or near Willcox, AZ and need help deciding the price of it?
Contact Chaffey Appraisal, LLC.

At Chaffey Appraisal, LLC, we understand the individual needs of a homeowner after appraisal services. Our business practices and reporting formats are relatively routine to our business clients like banks, attorneys, and accountants. But as a consumer,you can expect extra guidance and explanations through the appraisal process to more clearly understand what we do and how we report the results of our analysis.

Pre-listing Services/For Sale By Owner

It's very hard to be objective about your home because you probably have an emotional attachment to it. The professional appraisers at Chaffey Appraisal, LLC will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is very valuable as a negotiating tool once you have a potential buyer, in addition to helping you set a realistic selling price so your home will attract interested buyers. The appraisal is something concrete to show your buyer. An appraisal is an independent third party's opinion of your property's price -- not just you saying how much your home is worth. Potential buyers assume you have an emotional attachment to your house and will be more likely to give credibility to an experienced appraiser's value estimation than yours.

Appraisals to remove PMI

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a preferred way to cut costs for homeowners. Once your mortgage loan is less than 80% of the value of your house, in most cases you can apply to the lender to have the PMI eliminated from your loan, which will make your monthly payments go down. We're experienced in helping clients just like you get rid of unwanted PMI insurance.

Challenging a property tax assessment

Your local tax assessor may have your home overvalued if you live in a region that is going down or is not appreciating as much as other homes close to yours. That means you are probably paying more taxes than you should. The faster you take care of things like this, the better, since your property assessment may likely go up again in the next period. When contesting your property tax assessment, getting an appraisal from Chaffey Appraisal, LLC is your number one weapon.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender may choose to automatically freeze your home equity line of credit (HELOC) if your home is close to a declining area. Not only can this be troublesome from a cash flow angle, but it can be detrimental to your credit score since it may appear as though that credit line is maxed out. Chaffey Appraisal, LLC can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Have you just been handed a copy of your appraisal and you'd wish to have a seasoned professional double-check it for verity or do you want a second opinion without the expense and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comparables. Or, if you're in a rush, we can provide you with a desk review and verify as many facts as we can using online data sources as well as our own files.

Do you need a retrospective review of an appraisal? Chaffey Appraisal, LLC can We can assist you. Even though this is typically requested by banks, you may want to employ this service if you suspect mortgage fraud related to your home.