Real estate appraisal services for homeowners in the city of Fort Thomas and Graham County

Here are the top reasons AZ homeowners need Sean Metcalf:

  1. Pre-listing appraisals (whether you're using a real estate agent or selling the home on your own)
  2. Challenge Graham county's assessment of your property
  3. To lower your monthly mortgage payment by removing PMI
  4. Reinstate their Home Equity Line of Credit (HELOC)
  5. Review another appraiser's report for verification
  6. If real estate property needs to be divided because of a divorce
  7. Settle an estate in AZ by determining the true market value of real estate in question

Own a home in or near Fort Thomas, AZ and need help determining the price of it?
Contact Sean Metcalf.

We at Sean Metcalf understand the unique needs of a consumer after appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra customer service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.

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

Since you have an emotional attachment to your house, it's often very hard to be objective about it. Our professional appraisers at Sean Metcalf are objective. We won't just tell you what you want to hear, we will tell you what you need to know. A professional appraisal is a very important negotiating tool once you have an interested buyer, in addition to helping you set a realistic selling price so your home will attract interested buyers. It gives you something tangible to show the buyer. It's an independent third party's opinion of your home's price, and not just how much you think your home is worth. Interested buyers assume that you have an emotional attachment to your house and will be much more likely to give credibility to a seasoned appraiser's value estimation than yours.

Appraisals to remove PMI

PMI stands for Private Mortgage Insurance. A fashionable money saver for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan amount 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. Sean Metcalf is veterans in helping homeowners just like you dismiss unneeded and unwanted PMI insurance.

Challenging a property tax assessment

If you live in a local area that is going down or not appreciating as much as other houses nearby, your local tax assessor may have your house overvalued. This means you're most likely paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the sooner you take care of a matter like this, the better. Getting an expert appraisal from Sean Metcalf is your perfect weapon when contesting your property tax assessment.

Was your HELOC recently frozen?

If your home is in a declining area, your lender might just decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can this be difficult and inconvenient from a cash flow viewpoint, and bad for your credit score since it may appear as though that credit line is maxed out. Sean Metcalf can provide you with an expert appraisal that will help you reinstate your home equity line of credit.

We Also Provide Field and Desktop Appraisal Review Services

Have you just been handed a copy of your appraisal and you would like to have a professional double-check it for precision or do you want a second opinion without the charge and delay of waiting for a whole new appraisal? An appraiser from Sean Metcalf can go out and check the subject and comps in question in a field review. Or, if you're in a hurry, we can provide 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 We can assist you Even though this is usually requested by banks, you may desire to utilize this service if you suspect mortgage fraud related to your property.