Appraisal services for North Liberty and Johnson County homeowners

Here are the top seven reasons IA homeowners use AOI Appraisal Services:

  1. Get a pre-listing appraisal (whether they're selling the home on their own or using a real estate agent)
  2. Challenge Johnson county's assessment of your propertyvalue
  3. To lower their mortgage payments by removing PMI
  4. Reinstate your Home Equity Line of Credit (HELOC)
  5. To review a different appraiser's report for verification
  6. In the case of a IA divorce, where real estate property needs to be divided
  7. To determine the true market value of real estate in question to settle an estate

Do you own a home in or near North Liberty? Do you need help deciding the value of your real estate?
Contact AOI Appraisal Services.

At AOI Appraisal Services, we understand the special needs of a homeowner looking for 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/Pre-Listing Services

It's very hard to be objective about your own home because you probably have an emotional attachment to it. Professional appraisers, like the ones at AOI Appraisal Services, are objective. We'll tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic selling price so your home will attract many interested buyers, a professional appraisal is a very valuable negotiating tool once you have a likely buyer. The appraisal is something concrete to show the buyer. It's an independent third party's opinion of your home's price, and not just you saying how much your home is worth. Potential buyers assume you have an emotional attachment to your home and will be much more likely to give credibility to an expert appraiser's value opinion than yours.

Appraisals to remove PMI

PMI stands for Private Mortgage Insurance. An attractive way to save money for homeowners is to get 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 down below 80% of the value of your property. In most cases you can apply to the lender to have the PMI removed from your loan. At AOI Appraisal Services, we're veterans in helping folks just like you remove unnecessary PMI insurance.

Challenge a property tax assessment

Your local tax assessor may have your home overvalued if you live in an area that is going down or is not appreciating as much as other properties nearby. This means you're paying higher taxes than you should be paying. The faster you take care of things like this, the better, since your property assessment may likely go up again in the next period. Getting an appraisal from AOI Appraisal Services is your perfect weapon when contesting your property tax assessment.

Recently got a freeze your HELOC?

Even if your specific property has not declined in value, your lender might make the decision to automatically freeze your home equity line of credit (HELOC) if your property is close to 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 annoying from a cash flow angle. An expert appraisal from AOI Appraisal Services can help you reinstate your HELOC.

Need Field and Desktop Appraisal Review Services?

Do you need an expert to double-check your appraisal for precision, or do you need a second opinion without the added expense and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comps. If you're in a rush, 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? AOI Appraisal Services can We can assist you. While typically requested by banks, you may wish to exercise this service if you suspect mortgage fraud related to your house.