Appraisal services for Flagstaff and Coconino County homeowners

Check out the top 7 reasons AZ homeowners call on Carolyn Stewart:

To get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
Challenge Coconino county's assessment of your property
To lower a mortgage payment by removing PMI
To reinstate your Home Equity Line of Credit (or HELOC)
Verify a different appraiser's report
In the case of a AZ divorce, when real estate needs to be divided
Settle an estate in AZ by determining the true market value of real estate in question

Do you own a house in or near Flagstaff? Do you need help determining the value of your real estate?
Contact Carolyn Stewart.

We at Carolyn Stewart understand the unique needs of a customer seeking appraisal services. Our business practices and reporting formats are familiar to our business clients like banks, lawyers, and CPAs. As our client, we will provide you with extra guidance and explanations through the appraisal process to more clearly understand what we do and how we report our findings.

Pre-listing Services/For Sale By Owner

It's very hard to be objective about your home because of your emotional attachment to it. Professional appraisers, like the ones at Carolyn Stewart, will be objective. We will tell you what you need to know, not just what you want to hear. A professional appraisal is a very valuable negotiating tool once you have an attainable buyer, in addition to helping you set a realistic selling price so your house will attract buyers. It gives you something concrete to show the buyer. The appraisal is an independent third party's opinion of your property's value, not just how much your house is worth. Potential buyers assume that you have an emotional attachment to your home and will be more likely to give credibility to a seasoned appraiser's value estimation than yours.

Appraisals to cancel PMI

PMI stands for Private Mortgage Insurance. An attractive way to cut costs for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount is less than 80% of the value of your house, in most cases you can apply to your lender to have the PMI canceled from your loan, which will make your monthly payments go down. At Carolyn Stewart, we're experienced in helping homeowners just like you remove unwanted PMI insurance.

Challenge property tax assessments

Your local tax assessor may have your house overvalued if you live in a region that is going down. That only means you're most likely paying more taxes than you should. Since your property assessment may likely go up again in the next period, the sooner you take care of things like this, the better. When contesting your property tax assessment, getting an appraisal report from Carolyn Stewart is your perfect weapon.

HELOC recently frozen?

Your lender might decide to automatically freeze your home equity line of credit (HELOC) if your home is near a declining area -- even if your specific property has not declined in value. This can this be inopportune from a cash flow viewpoint, and bad for your credit score since it may appear as though that credit line is maxed out. An efficient appraisal from Carolyn Stewart can help you reinstate your HELOC.

Need Field and Desktop Appraisal Review Services?

Have you just been given a copy of your appraisal and you'd wish to have a seasoned expert double-check it for preciseness or do you desire a second opinion without the expense and delay of waiting for a whole new appraisal? An appraiser from Carolyn Stewart can go out and check the subject and comparables in question in a field review. Or, if you need it ASAP, 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? Carolyn Stewart can We can assist you. Even though this is typically requested by banks, you may want to use this service if you suspect mortgage fraud related to your property.