Attention homeowners in Keizer and Marion County: Need an appraisal?

Check out the top 7 reasons Oregon homeowners need Aspen Appraisal Services:

  1. To get a pre-listing appraisal (whether they're selling the home themselves or using a real estate agent)
  2. To challenge a property tax assessment in Oregon
  3. To reduce your mortgage payments by removing PMI
  4. To reinstate their Home Equity Line of Credit (or HELOC)
  5. Verify a different appraiser's report
  6. If real estate property needs to be divided because of a divorce
  7. Settle an estate in Oregon by determining the true market value of real estate
Own a home in or near Keizer, Oregon and need help deciding the price of it? Contact Aspen Appraisal Services.

We at Aspen Appraisal Services understand the particular needs of a homeowner looking for appraisal services. Our customary business clients are used to the appraisal process and the customary documents we provide. But as a consumer, you'll receive extra guidance and explanations through the appraisal process to more fully understand what we do and how we report our findings.

For Sale by Owner/Pre-Listing Services

It's very hard to be objective about your own house because you probably have an emotional attachment to it. Our professional appraisers at Aspen Appraisal Services are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. In addition to helping you set a realistic price to sell at so your home will attract many interested buyers, a professional appraisal is very valuable as a negotiating tool once you have a likely buyer. It's something concrete to show your buyer. An appraisal is an independent third party's opinion of your home's value -- not just how much you think your house is worth. Interested buyers know you have an emotional attachment to your home and will be far more likely to give credibility to a qualified appraiser's value assessment than yours.

Challenge Tax Assessment

Let's say your home is not appreciating as much as other homes close to yours -- your local tax assessor may have your home overvalued. This only means you are 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 off you'll be. When contesting your property tax assessment, getting an appraisal from Aspen Appraisal Services is your #1 weapon.

PMI Removal Appraisals

PMI stands for Private Mortgage Insurance. A fashionable money saver for homeowners is to get the PMI removed 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 home. In most cases you can apply to your lender to have the PMI eliminated from your loan. We're seasoned in helping people just like you delete unwanted PMI insurance.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender may just make the decision to automatically freeze your home equity line of credit (HELOC) if your house is in or near a declining area. Not only can this be unsuitable from a cash flow angle, but it can be negative on your credit score since it may appear as though that credit line is maxed out. Aspen Appraisal Services can help you reinstate your home equity line of credit with a professional appraisal.

We Provide Field and Desktop Appraisal Review Services

Have you just gotten a copy of your appraisal and you would like to have an expert double-check it for efficiency or do you want a second opinion without the added cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in question in a field review. If you need it immediately, we'll provide you with a desk review and verify as many facts as we can, using online data sources as well as our own files.

We can also provide a retrospective review of any appraisal you may have in your possession. While typically requested by banks, you may need to utilize this service if you suspect mortgage fraud related to your property.