Need an appraisal in Hiawatha or Linn County?

The top seven reasons IA homeowners need Caldwell Appraisal and Consulting:

Find the right listing price (whether they're selling the home on their own or using a real estate agent)
To challenge a IA property tax assessment
To lower your mortgage payment by removing PMI
Reinstate your Home Equity Line of Credit (HELOC)
Verify another appraiser's report
If real estate property needs to be divided because of a divorce
Determine the true market value of real estate in question to settle an estate

Own a house in or near Hiawatha, IA and need help determining the price of it?
Contact Caldwell Appraisal and Consulting.

We at Caldwell Appraisal and Consulting understand the particular needs of a consumer seeking appraisal services. While our typical business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra 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 own home, it's often very hard to be objective about it. Professional appraisers, like the ones at Caldwell Appraisal and Consulting, 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 interested buyers, a professional appraisal is very valuable as a negotiating tool once you have an attainable buyer. It gives you something tangible to show your buyer. The appraisal is an independent third party's opinion of your home's price, not just you saying how much your home is worth. Interested buyers assume that you have an emotional attachment to your house and will be far more likely to give credibility to a qualified appraiser's value assessment than yours.

Need to remove PMI?

PMI stands for Private Mortgage Insurance. A fashionable way to cut expenses for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. 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 removed from your loan. Caldwell Appraisal and Consulting is seasoned in helping clients just like you delete unnecessary PMI insurance.

Challenging a property tax assessment

If you live in an area that is going down or not appreciating as much as other properties close to yours, your local tax assessor may have your home overvalued. That means you are going to pay more taxes than you should. The quicker 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 expert appraisal from Caldwell Appraisal and Consulting is your perfect weapon when challenging your property tax assessment.

Recently got a freeze your HELOC?

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 house is close to a declining area. Not only can this be disadvantageous from a cash flow angle, but it can be negative on your credit score since it may appear as though that credit line is maxed out. A professional appraisal from Caldwell Appraisal and Consulting can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Have you just gotten a copy of your appraisal and you'd prefer to have a seasoned appraiser double-check it for verity or do you desire a second opinion without the added expense and delay of waiting for a whole new appraisal? An appraiser from Caldwell Appraisal and Consulting can go out and check the subject and comps in question in a field review. Or, if you're in a rush, we can 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. Even though this is usually requested by banks, you may wish to use this service if you suspect mortgage fraud related to your house.