Real estate appraisal services for homeowners in the city of Saint James and Phelps County

See the top 7 reasons MO homeowners hire Cardetti Appraisal Consultants, LLC:

Find the right listing price (whether they're selling the home on their own or using a real estate agent)
To challenge a MO property tax assessment
Remove PMI to lower your mortgage payments
To reinstate your Home Equity Line of Credit (or HELOC)
Verify a different appraiser's report
In the case of a MO divorce, where real estate property needs to be divided
Determine the true market value of real estate in question to settle an estate in Phelps county or MO

Own a home in or near Saint James, MO and need help determining the value of it?
Contact Cardetti Appraisal Consultants, LLC.

At Cardetti Appraisal Consultants, LLC, we understand the unique needs of a customer in need of appraisal services. While our typical 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

It's very hard to be objective about your own home because of your emotional attachment to it. Professional appraisers, like the ones at Cardetti Appraisal Consultants, LLC, will be objective. We will tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic price to sell at so your house will attract interested buyers, a professional appraisal is very valuable as a negotiating tool once you have an attainable buyer. It gives you something concrete 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. Potential buyers know you have an emotional attachment to your home and will be much more likely to give credibility to a qualified appraiser's value opinion than yours.

PMI Removal Appraisals

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a fashionable way to cut costs for homeowners. Your monthly payments will go down once your mortgage loan is down below 80% of the value of your property. In most cases you can apply to a lender to have the PMI eliminated from your loan. We are experts in helping customers just like you get rid of unneeded and unwanted PMI insurance.

Challenge a property tax assessment

Your local tax assessor may have your house overvalued if your home not appreciating as much as other houses nearby. That means you're going to pay more taxes than you should. Since your property assessment may likely go up again in the next period, the quicker you take care of things like this, the better. When challenging your property tax assessment, getting an appraisal from Cardetti Appraisal Consultants, LLC is your #1 weapon.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender may decide to automatically freeze your home equity line of credit (HELOC) if your home is in a declining area. This can this be unsuitable from a cash flow point of view, and detrimental to your credit score since it may appear as though that credit line is maxed out. Cardetti Appraisal Consultants, LLC can help you reinstate your home equity line of credit with an expert appraisal.

Field and Desktop Appraisal Review Services

Would you prefer a second opinion without the expense and delay of waiting for a whole new appraisal? Or do you need a professional to double-check your appraisal for efficiency? An appraiser from Cardetti Appraisal Consultants, LLC can go out and check the subject and comparables in a field review. If you need it ASAP, we'll 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 report? Cardetti Appraisal Consultants, LLC can help with that too. While usually requested by banks, you may need to take advantage of this service if you suspect mortgage fraud related to your property.