Need an appraisal in Flagstaff or Coconino County?

The top 7 reasons why AZ homeowners order from Carolyn Stewart:

  1. Get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
  2. To challenge a AZ property tax assessment
  3. To cut a monthly mortgage payment by removing PMI
  4. To reinstate their Home Equity Line of Credit (HELOC)
  5. Review a different appraiser's report for verification
  6. In the case of a AZ divorce, when real estate property needs to be divided
  7. To determine the true market value of real estate in question to settle an estate

Do you own a home in or near Flagstaff? Do you need help deciding the value of your real estate?
Contact Carolyn Stewart.

We at Carolyn Stewart understand the particular needs of a customer seeking appraisal services. While our usual clients understand the appraisal process and standard reporting formats, you as a consumer will get extra customer service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.

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

It's very hard to be objective about your home because you most likely have an emotional attachment to it. The professional appraisers at Carolyn Stewart 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 house will attract interested buyers, a professional appraisal is a crucial negotiating tool once you have a likely buyer. It gives you something tangible to show your buyer. It's an independent third party's opinion of your property's price, and not just how much your house is worth. Interested buyers know you have an emotional attachment to your home and will be more likely to give credibility to a qualified appraiser's value conclusion than yours.

Need to remove PMI?

A popular money saver 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 down below 80% of the value of your home. In most cases you can apply to your lender to have the PMI removed from your loan. At Carolyn Stewart, we're experienced in helping folks just like you abolish unneeded PMI insurance.

Challenge Coconino county's assessment of your property

Lets say you live in a region that is going down -- your local tax assessor may have your home overvalued. That means you're most likely paying more taxes than you should. Since your property assessment may likely go up again in the next period, the faster you take care of things like this, the better. An expert appraisal from Carolyn Stewart is your best weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

Your lender just may decide to automatically freeze your home equity line of credit (HELOC) if your property is near a declining area -- 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 unsuitable from a cash flow viewpoint. An expert appraisal from Carolyn Stewart can help you reinstate your HELOC.

We Offer Field and Desktop Appraisal Review Services

Have you just gotten a copy of your appraisal and you'd like to have an expert double-check it for accuracy or do you want a second opinion without the added cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables in a field review. Or, if you need it in a rush, we can 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? Carolyn Stewart can We can assist you. While usually requested by banks, you may desire to make use of this service if you suspect mortgage fraud related to your house.