Attention homeowners: Real estate appraisal services for the Portland Metro and SW Washington

The top reasons Oregon & Washington homeowners hire Anderson & Associates:

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


	Do you own a home in or near Ridgefield? Do you need help determining the price of your real estate? Contact Anderson & Associates.

We at Anderson & Associates understand the particular needs of a consumer looking for appraisal services. Our typical business clients understand the appraisal process and the customary "products" we deliver to them. As our client, we will give you 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

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 a very important negotiating tool once you have an attainable buyer, in addition to helping you set a realistic price to sell at so your home will attract buyers. It's something tangible to show your buyer. The appraisal is an independent third party's opinion of your home's value, not just you saying how much you think your house is worth. Potential buyers assume you have an emotional attachment to your house and will be much more likely to give credibility to an experienced appraiser's value estimation than yours.

Challenging a property tax assessment

Your local tax assessor may have your house overvalued if you live in an area that is going down. This means you're probably paying higher taxes than you should be paying. The sooner you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. A professional appraisal from Anderson & Associates is your chief weapon when contesting your property tax assessment.

Appraisals to remove PMI

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is an attractive way to cut costs for homeowners. Your monthly payments will go down once your mortgage loan 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. Anderson & Associates is experienced in helping customers just like you delete undesirable PMI insurance.

Was your HELOC recently frozen?

If your home is in a declining area, your lender may just make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be difficult from a cash flow angle, but it can be detrimental to your credit score since it may appear as though that credit line is maxed out. Anderson & Associates can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Have you just been handed a copy of your appraisal and you would prefer to have a seasoned expert double-check it for efficiency or do you desire a second opinion without the charge and delay of waiting for a whole new appraisal? An appraiser from Anderson & Associates can go out and check the subject and comparables in a field review. If you need it in a rush, 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 retrospective review of any appraisal you may have had in the past. While usually requested by banks, you may want to take advantage of this service if you suspect mortgage fraud related to your property.