Attention homeowners in Hamilton and Ravalli County: Get an Appraisal today!

The top seven reasons why MT homeowners call on Smith Appraisal Service:

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

Do you own a home in or near Hamilton? Do you need help deciding the value of your real estate?
Contact Smith Appraisal Service.

At Smith Appraisal Service, we understand the unique needs of a homeowner after appraisal services. While our typical 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

Since you have an emotional attachment to your home, it's often very hard to be objective about it. Professional appraisers, like the ones at Smith Appraisal Service, are objective. We'll tell you what you need to know, not just what you want to hear. A professional appraisal is very crucial as a negotiating tool once you have an attainable buyer, in addition to helping you set a realistic selling price so your property will attract many interested buyers. It's something tangible to show the buyer. An appraisal is an independent third party's opinion of your home's price -- not just how much your home is worth. Interested buyers know you have an emotional attachment to your house and will be more likely to give credibility to an accomplished appraiser's value estimation than yours.

PMI Removal Appraisals

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a fashionable money saver 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 your lender to have the PMI canceled from your loan. We're veterans in helping consumers just like you dismiss unwanted PMI insurance.

Challenging a property tax assessment

Lets say your house is not appreciating as much as other houses nearby -- your local tax assessor may have your home overvalued. That only means you are paying more taxes than you should. The earlier you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. A professional appraisal from Smith Appraisal Service is your strongest weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

Your lender may decide to automatically freeze your home equity line of credit (HELOC) if your house is in or near a declining area -- 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 difficult from a cash flow standpoint. Smith Appraisal Service can help you reinstate your home equity line of credit with efficient appraisal.

Field and Desktop Appraisal Review Services

Would you like a second opinion without the charge and delay of waiting for a whole new appraisal? Or do you need a seasoned appraiser to double-check your appraisal for preciseness? In a field review we will go out and check the subject and comparables. If you need it immediately, 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? Smith Appraisal Service can We can assist you. Even though this is typically requested by banks, you may desire to take advantage of this service if you suspect mortgage fraud related to your property.