Attention homeowners: Real estate appraisal services for in Mesa and Maricopa County

Here are the top reasons Arizona homeowners call on Hubbard & Associates Appraisal, Inc.:

Pre-listing appraisals (whether you're using a real estate agent or selling the home on your own)
Challenge property tax assessments
Remove PMI to lower your monthly mortgage payment
To reinstate their Home Equity Line of Credit (or HELOC)
Verify another appraiser's report
If property needs to be divided because of a divorce
Settle an estate in Arizona by determining the true market value of real estate


	Do you own a house in or near Mesa? Do you need help determining the value of your real estate? Contact Hubbard & Associates Appraisal, Inc..

At Hubbard & Associates Appraisal, Inc., we understand the unique needs of a homeowner looking for appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of customer service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.

Pre-listing Services/For Sale by Owner

It's very hard to be objective about your house because you probably have an emotional attachment to it. Our professional appraisers at Hubbard & Associates Appraisal, Inc. 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 valuable negotiating tool once you have a likely buyer, in addition to helping you set a realistic selling price so your home will attract many interested buyers. The appraisal is something concrete to show the buyer. An appraisal is an independent third party's opinion of your property's value -- not just you saying how much your home is worth. Interested buyers assume you have an emotional attachment to your house and will be far more likely to give credibility to a qualified appraiser's value opinion than yours.

Challenge Tax Assessment

If you live in an area that is declining or not appreciating as much as other homes close to yours, your local tax assessor may have your house overvalued. That only means you are most likely paying more taxes than you should. The quicker you take care of things like this, the better, since your property assessment may likely go up again in the next period. An appraisal report from Hubbard & Associates Appraisal, Inc. is your best weapon when challenging your property tax assessment.

Appraisals to cancel PMI

A preferred way to cut costs for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan amount is 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. We're experts in helping homeowners just like you rid themselves of unwanted and unneeded PMI insurance.

Was your HELOC recently frozen?

Your lender might just make the decision to automatically freeze your home equity line of credit (HELOC) if your house is close to a declining area -- even if your specific property has not declined in value. Not only can this be difficult from a cash flow standpoint, but it can be destructive to your credit score since it may appear as though that credit line is maxed out. A professional appraisal from Hubbard & Associates Appraisal, Inc. can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Would you wish a second opinion without the added expense and delay of waiting for a whole new appraisal? Or do you need a seasoned professional to double-check your appraisal for preciseness? Hubbard & Associates Appraisal, Inc. offers field reviews where we'll go out and check the subject and comps. Or, if you need it ASAP, we can provide 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? We can assist you. While typically requested by banks, you may desire to use this service if you suspect mortgage fraud related to your house.