Attention homeowners in Calais and Washington County: Need an appraisal?

The top seven reasons ME homeowners hire Clark Appraisal Associates:

  1. To get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
  2. Challenge property tax assessments
  3. Remove PMI to lower your mortgage payments
  4. To reinstate your Home Equity Line of Credit (or HELOC)
  5. Review a different appraiser's report for verification
  6. In the case of a ME divorce, when real estate property needs to be divided
  7. Determine the true market value of real estate in question to settle an estate in Washington county or ME

Own a house in or near Calais, ME and need help determining the value of it?
Contact Clark Appraisal Associates.

We at Clark Appraisal Associates understand the unique needs of a consumer after appraisal services. Our business practices and reporting formats are relatively routine to our business clients like lenders, lawyers, and accountants. But as a consumer,you will receive extra guidance and explanations through the appraisal process to better understand what we do and how we present the results of our analysis.

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. 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 very important as a negotiating tool once you have an attainable buyer, in addition to helping you set a realistic selling price so your home will attract interested buyers. It's something tangible to show the buyer. It's an independent third party's opinion of your house's price, and not just how much your house is worth. Potential buyers know you have an emotional attachment to your home and will be more likely to give credibility to an accomplished appraiser's value opinion than yours.

Need to remove PMI?

PMI stands for Private Mortgage Insurance. A preferred money saver for homeowners is to get the PMI eliminated 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 house, in most cases you can apply to a lender to have the PMI canceled from your loan, which will make your monthly payments go down. We are experienced in helping folks just like you dismiss unneeded PMI insurance.

Challenge property tax assessments

Lets say you live in a region that's going down -- your local tax assessor may have your home overvalued. That means you're paying more taxes than you should. The faster you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. Getting an appraisal from Clark Appraisal Associates is your best weapon when contesting your property tax assessment.

Recently got a freeze your HELOC?

Even if your specific property has not declined in value, your lender may just make the decision to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area. This can this be difficult and inconvenient from a cash flow viewpoint, and destructive to your credit score since it may appear as though that credit line is maxed out. Clark Appraisal Associates can help you reinstate your home equity line of credit with a professional appraisal.

Do You Need Field and Desktop Appraisal Review Services?

Have you just received a copy of your appraisal and you'd like to have a veteran appraiser double-check it for precision or do you need a second opinion without the added cost and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comparables in question. Or, if you need it in a rush, 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.

Do you need a retrospective review of an appraisal? Clark Appraisal Associates can We can assist you. Even though this is typically requested by banks, you may need to make use of this service if you suspect mortgage fraud related to your house.