Appraisal services for Yuma and Yuma County homeowners

Here are the top 7 reasons AZ homeowners use MD Home Appraisals:

Pre-listing appraisals (whether you're using an agent or selling the home on your own)
Challenge Yuma county's assessment of your property
To lower a monthly mortgage payment by removing PMI
Reinstate their Home Equity Line of Credit (or HELOC)
Verify a different appraiser's report
If real estate property needs to be divided because of a divorce
To determine the true market value of real estate in question to settle an estate

Own a house in or near Yuma, AZ and need help deciding the value of it?
Contact MD Home Appraisals.

We at MD Home Appraisals understand the unique needs of a homeowner seeking appraisal services. While our usual 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 (FSBO) / Pre-Listing Services

It's very hard to be objective about your 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. In addition to helping you set a realistic selling price so your property will attract many interested buyers, a professional appraisal is a very valuable negotiating tool once you have an attainable buyer. The appraisal is something concrete to show your buyer. It's an independent third party's opinion of your property's value, and not just you saying how much your home is worth. Potential buyers know that you have an emotional attachment to your house and will be far more likely to give credibility to a professional appraiser's value opinion than yours.

Need to remove PMI?

A popular way to cut costs for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Your monthly payments will go down 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 eliminated from your loan. We're seasoned in helping clients just like you delete unnecessary PMI insurance.

Challenge property tax assessments

Your local tax assessor may have your house overvalued if your home is not appreciating as much as other homes close by. This means you're going to pay higher taxes than you should be paying. 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. When contesting your property tax assessment, getting an appraisal report from MD Home Appraisals is your best weapon.

HELOC recently frozen?

Your lender just might choose to automatically freeze your home equity line of credit (HELOC) if your house is in or near a declining area -- even if your specific property has not declined in value. This can be be detrimental to your credit score since it may appear as though that credit line is maxed out, and also annoying from a cash flow viewpoint. An appraisal from MD Home Appraisals can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Have you just accepted a copy of your appraisal and you'd prefer to have a seasoned appraiser double-check it for accuracy or do you want a second opinion without the cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables in question in a field review. If you need it ASAP, 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.

We can also provide you with a a retrospective review of any appraisal you may have had done before. While typically requested by banks, you may wish to employ this service if you suspect mortgage fraud related to your property.