Appraisal services for Woodinville and King County homeowners

The top reasons WA homeowners use SMAS Appraisal:

  1. Pre-listing appraisals (whether they're selling the home themselves or using a real estate agent)
  2. Challenge King county's assessment of your property
  3. To lower their mortgage payments by removing PMI
  4. Reinstate your Home Equity Line of Credit (HELOC)
  5. To review another appraiser's report for verification
  6. If real estate property needs to be divided because of a divorce
  7. Determine the true market value of property in question to settle an estate

Need help determining the price of your house in or near Woodinville, WA?
Contact SMAS Appraisal.

At SMAS Appraisal, we understand the particular needs of a customer after appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like lenders, attorneys, and CPAs. As our client, we'll be sure you get extra guidance and explanations through the appraisal process to more clearly understand what we do and how we document the results of our analysis.

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

Since you have an emotional attachment to your own house, it's often very hard to be objective about it. Professional appraisers, like the ones at SMAS Appraisal, are objective. We will tell you what you need to know, not just what you want to hear. A professional appraisal is very important as a 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. The appraisal is something tangible to show the buyer. The appraisal is an independent third party's opinion of your property's price, not just how much you think your home is worth. Interested buyers assume you have an emotional attachment to your home and will be far more likely to give credibility to an accomplished appraiser's value report than yours.

Appraisals to remove PMI

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a preferred money saver for homeowners. 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 eliminated from your loan, which will make your monthly payments go down. We are seasoned in helping customers just like you dismiss unneeded and unwanted PMI insurance.

Challenging King county's assessment of your property

Your local tax assessor may have your house overvalued if you live in a local area that's declining. This means you are paying higher taxes than you should be paying. 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 appraisal report from SMAS Appraisal is your perfect weapon when contesting your property tax assessment.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender may just make the decision to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area. Not only can this be inopportune from a cash flow point of view, but it can be bad for your credit score since it may appear as though that credit line is maxed out. SMAS Appraisal can provide you with efficient appraisal that will help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Do you need a veteran appraiser to double-check your appraisal for accuracy, or do you desire a second opinion without the added cost and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comps in question. If you need it immediately, we'll provide 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? SMAS Appraisal can help with that too. Even though this is typically requested by banks, you may want to exercise this service if you suspect mortgage fraud related to your house.