Attention homeowners in Flagstaff and Coconino County: Get an Appraisal today!

Check out the top 7 reasons why AZ homeowners hire Graham Appraisal Service:

Pre-listing appraisals (whether you're using an agent or selling the home on your own)
Challenge property tax assessments
To reduce your mortgage payment by removing PMI
Reinstate your Home Equity Line of Credit (or HELOC)
To review a different appraiser's report for verification
If real estate property needs to be divided because of a divorce
Settle an estate in AZ by determining the true market value of real estate in question

Own a home in or near Flagstaff, AZ and need help deciding the value of it?
Contact Graham Appraisal Service.

We at Graham Appraisal Service understand the special needs of a customer in need of appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of customer service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.

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

It's very hard to be objective about your own home because you most likely have an emotional attachment to 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 valuable as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic price to sell at so your home will attract many interested buyers. It gives you something concrete to show the buyer. The appraisal is an independent third party's opinion of your house's value, not just you saying how much you think your house is worth. Interested buyers assume you have an emotional attachment to your home and will be more likely to give credibility to a qualified appraiser's value conclusion than yours.

PMI Removal Appraisals

A preferred money saver for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan amount is less than 80% of the value of your property, in most cases you can apply to the lender to have the PMI canceled from your loan, which will make your monthly payments go down. We're qualified in helping homeowners just like you rid themselves of unnecessary PMI insurance.

Challenge Coconino county's assessment of your property

Lets say your home is not appreciating as much as other properties nearby -- your local tax assessor may have your house overvalued. This only means you're paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the sooner you take care of a matter like this, the better off you'll be. Getting a professional appraisal from Graham Appraisal Service is your perfect weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender might decide to automatically freeze your home equity line of credit (HELOC) if your home is in or near a declining area. Not only can this be annoying from a cash flow standpoint, but it can be damaging to your credit score since it may appear as though that credit line is maxed out. Graham Appraisal Service can help you reinstate your HELOC.

We Offer Field and Desktop Appraisal Review Services

Have you just been given a copy of your appraisal and you'd like to have a seasoned professional double-check it for verity or do you desire a second opinion without the charge and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comparables. If you need it immediately, we'll 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? Graham Appraisal Service can help you with that. Even though this is typically requested by banks, you may want to exercise this service if you suspect mortgage fraud related to your property.