Attention homeowners: Real estate appraisal services for in Fairfield and Jefferson County

See the top reasons IA homeowners need Native Appraisal Company:

  1. To get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
  2. Challenge a property tax assessment
  3. Remove PMI to lower a mortgage payment
  4. To reinstate your Home Equity Line of Credit (HELOC)
  5. Verify another appraiser's report
  6. In the case of a IA divorce, where real estate needs to be divided
  7. To settle an estate in Jefferson county or IA by determining the true market value of real estate in question

Need help deciding the value of your home in or near Fairfield, IA?
Contact Native Appraisal Company.

At Native Appraisal Company, we understand the particular needs of a homeowner seeking appraisal services. While our usual 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/Pre-Listing Services

It's very hard to be objective about your own home because of your emotional attachment to it. The professional appraisers at Native Appraisal Company 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 likely buyer, in addition to helping you set a realistic price to sell at so your home will attract buyers. It gives you something concrete to show your buyer. An appraisal is an independent third party's opinion of your home's value -- not just you saying how much you think your home is worth. Potential buyers assume that you have an emotional attachment to your house and will be more likely to give credibility to an expert appraiser's value conclusion than yours.

Need to cancel PMI?

PMI stands for Private Mortgage Insurance. An attractive way to save money for homeowners is getting 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 is below 80% of the value of your home. In most cases you can apply to a lender to have the PMI canceled from your loan. At Native Appraisal Company, we're qualified in helping clients just like you delete undesirable PMI insurance.

Challenge a property tax assessment

Your local tax assessor may have your home overvalued if your house not appreciating as much as other houses close to yours. This means you are most likely paying higher taxes than you should be paying. The earlier 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 Native Appraisal Company is your perfect weapon.

Recently got a freeze your HELOC?

Even if your specific property has not declined in value, your lender may make the decision to automatically freeze your home equity line of credit (HELOC) if your home is in or near a declining area. This can be be bad for your credit score since it may appear as though that credit line is maxed out, and also inconvenient from a cash flow angle. Native Appraisal Company can help you reinstate your HELOC.

We Also Provide Field and Desktop Appraisal Review Services

Have you just been handed a copy of your appraisal and you'd like to have a seasoned expert double-check it for accuracy or do you want a second opinion without the added cost and delay of waiting for a whole new appraisal? An appraiser from Native Appraisal Company 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 a retrospective review of any appraisal you may have had done before. Even though this is usually requested by banks, you may wish to take advantage of this service if you suspect mortgage fraud related to your home.