Appraisal services for Central and Western Montana homeowners.
The top reasons MT homeowners call on 406 Valuation, LLC:
Do you need help deciding the value of your real estate?
We at 406 Valuation, LLC understand the special needs of a homeowner looking for appraisal services. Our business practices and reporting formats are relatively routine to our business clients like lenders, lawyers, and CPAs. But as a general consumer, we will provide you with extra guidance and explanations through the appraisal process to better understand what we do and how we report our conclusions.
For Sale By Owner (FSBO)/Pre-Listing Services
It's very hard to be objective about your home because you most likely have an emotional attachment to it. A professional appraiser is objective and 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 property will attract many interested buyers, a professional appraisal is very important as a negotiating tool once you have an interested buyer. It's something tangible to show your buyer. An appraisal is an independent third party's opinion of your house's value -- not just you saying how much you think your house is worth. Potential buyers assume that you have an emotional attachment to your house and will be far more likely to give credibility to a seasoned appraiser's value judgement than yours.
Appraisals to cancel PMI
PMI stands for Private Mortgage Insurance. A popular way to cut expenses 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 below 80% of the value of your house. In most cases you can apply to your lender to have the PMI canceled from your loan. We're veterans in helping folks just like you abolish unwanted and unneeded PMI insurance.
We Offer Field and Desktop Appraisal Review Services
Have you just received a copy of your appraisal and you'd wish to have a seasoned appraiser double-check it for accuracy, or do you need a second opinion without the added cost and delay of waiting for a whole new appraisal? An appraiser from 406 Valuation, LLC can go out and check the subject and comps in question in a field review. If you need it ASAP, 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.
Need a retrospective review of an appraisal report? We can help with that too. While usually requested by banks, you may want to use this service if you suspect mortgage fraud related to your property.