Need an appraisal in Shelbina or Monroe County?

See the top seven reasons MO homeowners hire Little's Appraisal Service:

  1. Pre-listing appraisals (whether you're using an agent or selling the home on your own)
  2. Challenge property tax assessments
  3. To reduce your monthly mortgage payment by removing PMI
  4. To reinstate your Home Equity Line of Credit (or HELOC)
  5. Review another appraiser's report for verification
  6. In the case of a MO divorce, where real estate property needs to be divided
  7. To settle an estate in Monroe county or MO by determining the true market value of real estate in question

Do you own a house in or near Shelbina? Do you need help deciding the price of your real estate?
Contact Little's Appraisal Service.

At Little's Appraisal Service, we understand the unique needs of a consumer in need of appraisal services. Our usual business clients understand the appraisal process and the usual documents we provide. But as a consumer,you'll receive extra guidance and explanations through the appraisal process to more fully understand what we do and how we present our findings.

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

Since you have an emotional attachment to your own home, it's often very hard to be objective about it. Our professional appraisers at Little's Appraisal Service are objective. We won't just tell you what you want to hear, we will tell you what you need to know. A professional appraisal is very valuable as a negotiating tool once you have an attainable buyer, in addition to helping you set a realistic selling price so your house will attract interested buyers. It gives you something concrete to show the buyer. The appraisal is an independent third party's opinion of your property's price, not just how much your home is worth. Interested buyers assume that you have an emotional attachment to your home and will be more likely to give credibility to a professional appraiser's value assessment than yours.

Appraisals to cancel PMI

A preferred money saver for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan amount is down below 80% of the value of your house, 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. Little's Appraisal Service is experts in helping people just like you abolish unnecessary PMI insurance.

Challenge Monroe county's assessment of your property

Your local tax assessor may have your house overvalued if you live in an area that's declining. That means you are probably paying more taxes than you should. Since your property assessment may likely go up again in the next period, the faster you take care of a matter like this, the better. An appraisal from Little's Appraisal Service is your perfect weapon when contesting your property tax assessment.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender just might choose to automatically freeze your home equity line of credit (HELOC) if your property is close to a declining area. This can be be unfavorable to your credit score since it may appear as though that credit line is maxed out, and also difficult and inconvenient from a cash flow viewpoint. Little's Appraisal Service can help you reinstate your home equity line of credit with a professional appraisal.

Need Field and Desktop Appraisal Review Services?

Would you like a second opinion without the added cost and delay of waiting for a whole new appraisal? Or do you desire a seasoned professional to double-check your appraisal for verity? We can go out and check the subject and comparables in question in a field review. If you're in a hurry, we'll 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 with that too. While usually requested by banks, you may desire to employ this service if you suspect mortgage fraud related to your property.