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

Here are the top reasons IA homeowners call on A. G. Appraisal Services:

Pre-listing appraisals (whether you're using an agent or selling the home on your own)
Challenge Dubuque county's assessment of your propertyworth
Remove PMI to cut their mortgage payment
Reinstate your Home Equity Line of Credit (or HELOC)
To review another appraiser's report for verification
If property needs to be divided because of a divorce
To determine the true market value of real estate in question to settle an estate in Dubuque County or IA

Own a house in or near Dubuque, IA and need help deciding the price of it?
Contact A. G. Appraisal Services.

At A. G. Appraisal Services, we understand the unique needs of a customer after appraisal services. Our regular business clients get the appraisal process and the standard reporting formats. Being a homeowner that ordinarily doesn't see an appraisal on a regular basis,we'll be sure you get extra guidance and explanations through the appraisal process to better understand what we do and how we document our conclusions.

For Sale By Owner/Pre-Listing Services

Since you have an emotional attachment to your house, it's often very hard to be objective about it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. A professional appraisal is very crucial as a negotiating tool once you have an attainable buyer, in addition to helping you set a realistic price to sell at so your property will attract many interested buyers. The appraisal is something tangible to show your buyer. The 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 you have an emotional attachment to your house and will be more likely to give credibility to a seasoned appraiser's value opinion than yours.

Need to remove PMI?

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a popular way to cut costs for homeowners. Once your mortgage loan amount is down below 80% of the value of your house, in most cases you can apply to your lender to have the PMI removed from your loan, which will make your monthly payments go down. At A. G. Appraisal Services, we're seasoned in helping folks just like you do away with unnecessary PMI insurance.

Challenging a property tax assessment

Your local tax assessor may have your house overvalued if you live in a local area that is declining or not appreciating as much as other homes nearby. This only means you're 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. A professional appraisal from A. G. Appraisal Services is your best weapon when challenging your property tax assessment.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender might choose to automatically freeze your home equity line of credit (HELOC) if your property is in a declining area. Not only can this be inopportune from a cash flow viewpoint, but it can be damaging to your credit score since it may appear as though that credit line is maxed out. An efficient appraisal from A. G. Appraisal Services can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Have you just received a copy of your appraisal and you'd like to have an expert double-check it for accuracy or do you want a second opinion without the expense and delay of waiting for a whole new appraisal? An appraiser from A. G. Appraisal Services can go out and check the subject and comps in question in a field review. Or, if you're in a rush, we can 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 typically requested by banks, you may want to exercise this service if you suspect mortgage fraud related to your house.