Need an appraisal in West Plains or Howell County?

Here are the top 7 reasons why Missouri homeowners need Lucinda Wadlow:

Pre-listing appraisals (whether you're using a real estate agent or selling the home on your own)
To challenge your property tax assessment in Missouri
To reduce their mortgage payment by removing PMI
Reinstate their Home Equity Line of Credit (HELOC)
Verify another appraiser's report
In the case of a divorce in the state of Missouri, where property needs to be divided
To determine the true market value of real estate to settle an estate


	Do you own a house in or near West Plains? Do you need help determining the value of your real estate? Contact Lucinda Wadlow.

We at Lucinda Wadlow understand the special needs of a homeowner looking for appraisal services. Our customary business clients get the appraisal process and the usual reporting formats. But as a general consumer, we'll be sure you get extra guidance and explanations through the appraisal process to better understand what we do and how we document our conclusions.

For Sale by Owner/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. A professional appraisal is a very valuable negotiating tool once you have a likely buyer, in addition to helping you set a realistic selling price so your property will attract interested buyers. It gives you something concrete to show the buyer. An appraisal is an independent third party's opinion of your house's value -- not just you saying how much your house is worth. Potential buyers know that you have an emotional attachment to your home and will be far more likely to give credibility to an accomplished appraiser's value opinion than yours.

Challenge a property tax assessment

Your local tax assessor may have your home overvalued if you live in a region that's going down. This only means you're going to pay higher taxes than you should be paying. The sooner you take care of things like this, the better, since your property assessment may likely go up again in the next period. An appraisal report from Lucinda Wadlow is your #1 weapon when challenging your property tax assessment.

Appraisals to remove PMI

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a preferred way to cut costs for homeowners. Once your mortgage loan amount is 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, which will make your monthly payments go down. We're veterans in helping customers just like you delete unnecessary PMI insurance.

HELOC recently frozen?

If your home is close to a declining area, your lender may just decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be bad for your credit score since it may appear as though that credit line is maxed out, and also difficult and inconvenient from a cash flow angle. Lucinda Wadlow can provide you with an expert appraisal that will help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Do you need a seasoned expert to double-check your appraisal for efficiency, or do you want a second opinion without the cost and delay of waiting for a whole new appraisal? We 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 you with a 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 report you may have had in the past. Even though most review work is commissioned by lenders for quality control, homeowners suspecting a prior appraisal wasn't above board are prudent to invest in a second opinion.