Attention homeowners: Real estate appraisal services for in Grover and Saint Louis County

Here are the top 7 reasons MO homeowners order from Lotz & Associates:

  1. To get a pre-listing appraisal (whether they're selling the home on their own or using a real estate agent)
  2. To challenge a MO property tax assessment
  3. To reduce a mortgage payments by removing PMI
  4. Reinstate your Home Equity Line of Credit (or HELOC)
  5. Verify a different appraiser's report
  6. If property needs to be divided because of a divorce
  7. To determine the true market value of real estate in question to settle an estate

Do you own a house in or near Grover? Do you need help deciding the value of your real estate?
Contact Lotz & Associates.

At Lotz & Associates, we understand the particular needs of a homeowner after appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra 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

Since you have an emotional attachment to your own house, it's often very hard to be objective about it. The professional appraisers at Lotz & Associates will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic selling price so your house will attract buyers, a professional appraisal is very valuable as a negotiating tool once you have an attainable buyer. It gives you something tangible to show your buyer. An appraisal is an independent third party's opinion of your property's value -- not just you saying how much your house is worth. Interested buyers assume that you have an emotional attachment to your house and will be much more likely to give credibility to an accomplished appraiser's value judgement than yours.

Appraisals to remove PMI

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a popular way to cut expenses for homeowners. Once your mortgage loan is below 80% of the value of your property, in most cases you can apply to your lender to have the PMI removed from your loan, which will make your monthly payments go down. Lotz & Associates is experts in helping consumers just like you abolish undesirable PMI insurance.

Challenging property tax assessments

Your local tax assessor may have your house overvalued if your house is not appreciating as much as other houses close by. This means you are going to pay higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the quicker you take care of a matter like this, the better off you'll be. Getting an expert appraisal from Lotz & Associates is your number one weapon when challenging your property tax assessment.

Recently got a freeze your HELOC?

If your house is close to a declining area, your lender just might choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be detrimental to your credit score since it may appear as though that credit line is maxed out, and also annoying from a cash flow angle. Lotz & Associates can help you reinstate your home equity line of credit with an expert appraisal.

We Also Provide Field and Desktop Appraisal Review Services

Would you wish a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you want a professional to double-check your appraisal for precision? An appraiser from Lotz & Associates can go out and check the subject and comps in question in a field review. Or, if you're in a hurry, we can provide 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? We can help you with that While typically requested by banks, you may desire to employ this service if you suspect mortgage fraud related to your property.