Need an appraisal in Pine or Gila County?

See the top 7 reasons AZ homeowners hire Toone Appraisals:

To get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
To challenge a AZ property tax assessment
To reduce your monthly mortgage payment by removing PMI
Reinstate your Home Equity Line of Credit (or HELOC)
Verify another appraiser's report
In the case of a AZ divorce, where property needs to be divided
Settle an estate in AZ by determining the true market value of real estate in question

Do you own a house in or near Pine? Do you need help deciding the price of your real estate?
Contact Toone Appraisals.

At Toone Appraisals, we understand the special needs of a homeowner seeking appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like banks, attorneys, and CPAs. Being a person not in the real estate field that most likely doesn't look at appraisals on a regular basis,you can expect extra guidance and explanations through the appraisal process to more fully understand what we do and how we present our conclusions.

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

It's very hard to be objective about your own home because you probably have an emotional attachment to it. Professional appraisers, like the ones at Toone Appraisals, are objective. We'll 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 a likely buyer, in addition to helping you set a realistic selling price so your property will attract many interested 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 your home is worth. Potential buyers assume that you have an emotional attachment to your home and will be more likely to give credibility to an accomplished appraiser's value estimation than yours.

Appraisals to cancel PMI

An attractive way to cut expenses for homeowners is to get the PMI canceled 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 below 80% of the value of your home. In most cases you can apply to the lender to have the PMI eliminated from your loan. At Toone Appraisals, we're veterans in helping homeowners just like you abolish unneeded and unwanted PMI insurance.

Challenge property tax assessments

Lets say you live in a region that's declining -- your local tax assessor may have your house overvalued. That means you are most likely 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 things like this, the better. When contesting your property tax assessment, getting an appraisal report from Toone Appraisals is your perfect weapon.

HELOC recently frozen?

If your house is in a declining area, your lender just may make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be bad for your credit score since it may appear as though that credit line is maxed out, and also inconvenient from a cash flow viewpoint. Toone Appraisals can provide you with a professional appraisal that will help you reinstate your HELOC.

We Offer Field and Desktop Appraisal Review Services

Have you just been handed a copy of your appraisal and you would like to have an expert double-check it for accuracy or do you desire a second opinion without the charge and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in question 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.

Need a retrospective review of an appraisal report? We can help with that too. While usually requested by banks, you may wish to employ this service if you suspect mortgage fraud related to your house.