Attention homeowners: Real estate appraisal services for in Box Elder and Pennington County

The top 7 reasons why SD homeowners use Chambers Appraisal:

  1. Pre-listing appraisals (whether they're selling the home on their own or using a real estate agent)
  2. To challenge a SD property tax assessment
  3. Remove PMI to lower your monthly mortgage payment
  4. Reinstate their Home Equity Line of Credit (HELOC)
  5. Review a different appraiser's report for verification
  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 in SD

Do you own a home in or near Box Elder? Do you need help determining the price of your real estate?
Contact Chambers Appraisal.

At Chambers Appraisal, we understand the particular needs of a customer seeking appraisal services. Our business practices and reporting formats are relatively routine to our business clients like lenders, attorneys, and CPAs. As our valued client, we'll be sure you get extra guidance and explanations through the appraisal process to better understand what we do and how we present our conclusions.

For-Sale-By-Owner (FSBO) / Pre-Listing Services

It's very hard to be objective about your home because you probably have an emotional attachment to it. Professional appraisers, like the ones at Chambers Appraisal, are objective. We will 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 very valuable as a negotiating tool once you have an attainable buyer. The appraisal is something tangible to show your buyer. The appraisal is an independent third party's opinion of your house's value, not just how much you think 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 expert appraiser's value conclusion than yours.

PMI Removal Appraisals

PMI stands for Private Mortgage Insurance. An attractive way to cut expenses for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is down below 80% of the value of your home, 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 are seasoned in helping customers just like you do away with undesirable PMI insurance.

Challenge Tax Assessment

Lets say your house is not appreciating as much as other homes close to yours -- your local tax assessor may have your house overvalued. That only means you're going to pay more taxes than you should. The faster you take care of things like this, the better, since your property assessment may likely go up again in the next period. When contesting your property tax assessment, getting an appraisal from Chambers Appraisal is your strongest weapon.

HELOC recently frozen?

If your house is close to a declining area, your lender just might make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be difficult from a cash flow standpoint, but it can be destructive to your credit score since it may appear as though that credit line is maxed out. Chambers Appraisal can provide you with an expert appraisal that will help you reinstate your home equity line of credit.

Field and Desktop Appraisal Review Services

Have you just been handed a copy of your appraisal and you'd like to have an expert double-check it for verity or do you need a second opinion without the added cost and delay of waiting for a whole new appraisal? An appraiser from Chambers Appraisal can go out and check the subject and comparables in question in a field review. Or, if you need it ASAP, we can 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? Chambers Appraisal can help you with that. Even though this is usually requested by banks, you may want to employ this service if you suspect mortgage fraud related to your property.