Attention homeowners: Real estate appraisal services for in Missoula and Missoula County

The top 7 reasons MT homeowners order from ACES Appraisals:

  1. To get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
  2. To challenge a MT property tax assessment
  3. To lower a mortgage payment by removing PMI
  4. Reinstate your Home Equity Line of Credit (or HELOC)
  5. Verify a different appraiser's report
  6. In the case of a MT divorce, when property needs to be divided
  7. Settle an estate in MT by determining the true market value of property in question

Do you own a house in or near Missoula? Do you need help deciding the value of your real estate?
Contact ACES Appraisals.

At ACES Appraisals, we understand the individual needs of a homeowner in need of appraisal services. Our usual business clients get the appraisal process and the standard documents we provide. 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 our conclusions.

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. The professional appraisers at ACES Appraisals will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic price to sell at so your property will attract interested buyers, a professional appraisal is very important as a negotiating tool once you have a potential buyer. It's something concrete to show your buyer. The appraisal is an independent third party's opinion of your house's value, not just you saying how much your home is worth. Potential buyers know you have an emotional attachment to your house and will be more likely to give credibility to an experienced appraiser's value conclusion than yours.

Appraisals to remove PMI

PMI stands for Private Mortgage Insurance. A popular money saver for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is below 80% of the value of your property, in most cases you can apply to a lender to have the PMI canceled from your loan, which will make your monthly payments go down. We are veterans in helping consumers just like you abolish unnecessary PMI insurance.

Challenging a property tax assessment

Lets say your home is not appreciating as much as other homes close to yours -- your local tax assessor may have your home overvalued. That means you're probably paying more taxes than you should. 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. An appraisal from ACES Appraisals is your #1 weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

If your property is close to a declining area, your lender might choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be unfavorable to your credit score since it may appear as though that credit line is maxed out, and also difficult and inconvenient from a cash flow standpoint. An appraisal from ACES Appraisals can help you reinstate your HELOC.

Need Field and Desktop Appraisal Review Services?

Do you need an expert to double-check your appraisal 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 report? ACES Appraisals can help with that too. While usually requested by banks, you may desire to utilize this service if you suspect mortgage fraud related to your home.