Appraisal services for Saratoga Springs and Utah County homeowners

See the top 7 reasons why UT homeowners hire Joe Chuchran:

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

Need help deciding the price of your home in or near Saratoga Springs, UT?
Contact Joe Chuchran.

At Joe Chuchran, we understand the individual needs of a consumer looking for 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 house because of your emotional attachment to it. Professional appraisers, like the ones at Joe Chuchran, 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 interested buyer, in addition to helping you set a realistic selling price so your home will attract interested 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 you saying how much you think your house is worth. Potential buyers assume that you have an emotional attachment to your home and will be much more likely to give credibility to an experienced appraiser's value assessment than yours.

Need to cancel PMI?

A fashionable way to cut costs for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan amount is below 80% of the value of your house, in most cases you can apply to a lender to have the PMI removed from your loan, which will make your monthly payments go down. We're seasoned in helping clients just like you dismiss undesirable PMI insurance.

Challenge Utah county's assessment of your property

Your local tax assessor may have your home overvalued if you live in a region that is declining. That only means you are paying more taxes than you should. The faster you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. An appraisal from Joe Chuchran is your #1 weapon when challenging your property tax assessment.

HELOC recently frozen?

If your house is in or near a declining area, your lender just might choose 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 troublesome from a cash flow angle, but it can be harmful to your credit score since it may appear as though that credit line is maxed out. Joe Chuchran can provide you with efficient appraisal that will help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Would you like a second opinion without the added cost and delay of waiting for a whole new appraisal? Or do you want a professional to double-check your appraisal for preciseness? An appraiser from Joe Chuchran 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.

Need a retrospective review of an appraisal report? We can help you with that Even though this is usually requested by banks, you may want to employ this service if you suspect mortgage fraud related to your property.